Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$105,515Cash toward the purchase price.
Closing costs + prepaids$16,048Not just lender fees.
Before credits & paid funds$121,562The complete starting cash picture.
Estimated remaining funds due at closing
$121,562No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,514.61
Your down payment$105,514.61
Closing costs + prepaids$16,047.63
Total buyer cash needed$121,562.23
Remaining funds due$121,562.23
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%)$6,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,472.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,500.00
Prepaid interest, first (18 days)$607.20
Fees + prepaids$16,047.63
Your down payment is the seller’s equity. You take over the $494,485 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $121,562.23 is due at closing. Uses and sources reconcile at $616,047.63 each. Not a Closing Disclosure.