Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$426,004Cash toward the purchase price.
Closing costs + prepaids$14,032Not just lender fees.
Before credits & paid funds$440,036The complete starting cash picture.
Estimated remaining funds due at closing
$440,036No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$426,003.70
Your down payment$426,003.70
Closing costs + prepaids$14,031.98
Total buyer cash needed$440,035.68
Remaining funds due$440,035.68
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%)$5,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$864.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$762.75
Initial HOA (3 months)$300.00
Prepaid interest, first (27 days)$646.25
Fees + prepaids$14,031.98
Your down payment is the seller’s equity. You take over the $172,996 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $440,035.68 is due at closing. Uses and sources reconcile at $613,031.98 each. Not a Closing Disclosure.