Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$231,445Cash toward the purchase price.
Closing costs + prepaids$14,668Not just lender fees.
Before credits & paid funds$246,113The complete starting cash picture.
Estimated remaining funds due at closing
$246,113No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,444.86
Your down payment$231,444.86
Closing costs + prepaids$14,667.73
Total buyer cash needed$246,112.59
Remaining funds due$246,112.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,842.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$720.00
Initial HOA (3 months)$345.00
Prepaid interest, first (9 days)$293.45
Fees + prepaids$14,667.73
Your down payment is the seller’s equity. You take over the $368,455 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $246,112.59 is due at closing. Uses and sources reconcile at $614,567.73 each. Not a Closing Disclosure.