Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$208,219Cash toward the purchase price.
Closing costs + prepaids$14,655Not just lender fees.
Before credits & paid funds$222,874The complete starting cash picture.
Estimated remaining funds due at closing
$222,874No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,218.85
Your down payment$208,218.85
Closing costs + prepaids$14,655.08
Total buyer cash needed$222,873.93
Remaining funds due$222,873.93
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%)$1,958.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$750.00
Prepaid interest, first (15 days)$479.68
Fees + prepaids$14,655.08
Your down payment is the seller’s equity. You take over the $391,681 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $222,873.93 is due at closing. Uses and sources reconcile at $614,555.08 each. Not a Closing Disclosure.