Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$210,497Cash toward the purchase price.
Closing costs + prepaids$15,168Not just lender fees.
Before credits & paid funds$225,665The complete starting cash picture.
Estimated remaining funds due at closing
$225,665No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,497.07
Your down payment$210,497.07
Closing costs + prepaids$15,167.88
Total buyer cash needed$225,664.95
Remaining funds due$225,664.95
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%)$1,947.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,529.75
Initial HOA (3 months)$62.49
Prepaid interest, first (5 days)$161.63
Fees + prepaids$15,167.88
Your down payment is the seller’s equity. You take over the $389,403 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $225,664.95 is due at closing. Uses and sources reconcile at $615,067.88 each. Not a Closing Disclosure.