Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$179,220Cash toward the purchase price.
Closing costs + prepaids$15,596Not just lender fees.
Before credits & paid funds$194,816The complete starting cash picture.
Estimated remaining funds due at closing
$194,816No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,219.87
Your down payment$179,219.87
Closing costs + prepaids$15,596.27
Total buyer cash needed$194,816.14
Remaining funds due$194,816.14
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%)$2,103.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$750.00
Initial HOA (3 months)$102.00
Prepaid interest, first (15 days)$1,173.87
Fees + prepaids$15,596.27
Your down payment is the seller’s equity. You take over the $420,680 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $194,816.14 is due at closing. Uses and sources reconcile at $615,496.27 each. Not a Closing Disclosure.