Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$153,876Cash toward the purchase price.
Closing costs + prepaids$15,097Not just lender fees.
Before credits & paid funds$168,973The complete starting cash picture.
Estimated remaining funds due at closing
$168,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,876.16
Your down payment$153,876.16
Closing costs + prepaids$15,096.79
Total buyer cash needed$168,972.95
Remaining funds due$168,972.95
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%)$2,230.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$720.00
Prepaid interest, first (9 days)$679.67
Fees + prepaids$15,096.79
Your down payment is the seller’s equity. You take over the $446,024 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $168,972.95 is due at closing. Uses and sources reconcile at $614,996.79 each. Not a Closing Disclosure.