Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$228,297Cash toward the purchase price.
Closing costs + prepaids$14,692Not just lender fees.
Before credits & paid funds$242,989The complete starting cash picture.
Estimated remaining funds due at closing
$242,989No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,297.10
Your down payment$228,297.10
Closing costs + prepaids$14,692.25
Total buyer cash needed$242,989.35
Remaining funds due$242,989.35
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%)$1,858.51
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)$159.00
Prepaid interest, first (15 days)$456.74
Fees + prepaids$14,692.25
Your down payment is the seller’s equity. You take over the $371,703 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $242,989.35 is due at closing. Uses and sources reconcile at $614,692.25 each. Not a Closing Disclosure.