Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$215,771Cash toward the purchase price.
Closing costs + prepaids$14,751Not just lender fees.
Before credits & paid funds$230,522The complete starting cash picture.
Estimated remaining funds due at closing
$230,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,770.88
Your down payment$215,770.88
Closing costs + prepaids$14,750.87
Total buyer cash needed$230,521.76
Remaining funds due$230,521.76
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%)$5,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,921.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$463.75
Initial HOA (3 months)$107.01
Prepaid interest, first (26 days)$790.98
Fees + prepaids$14,750.87
Your down payment is the seller’s equity. You take over the $384,228 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $230,521.76 is due at closing. Uses and sources reconcile at $614,749.87 each. Not a Closing Disclosure.