Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$212,435Cash toward the purchase price.
Closing costs + prepaids$14,423Not just lender fees.
Before credits & paid funds$226,858The complete starting cash picture.
Estimated remaining funds due at closing
$226,858No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,435.09
Your down payment$212,435.09
Closing costs + prepaids$14,423.06
Total buyer cash needed$226,858.15
Remaining funds due$226,858.15
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%)$5,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,927.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$463.50
Prepaid interest, first (18 days)$583.73
Fees + prepaids$14,423.06
Your down payment is the seller’s equity. You take over the $385,565 balance, so the rest of the $598,000 price is paid at closing. A second mortgage can cover part of it. $226,858.15 is due at closing. Uses and sources reconcile at $612,423.06 each. Not a Closing Disclosure.