Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$168,644Cash toward the purchase price.
Closing costs + prepaids$15,047Not just lender fees.
Before credits & paid funds$183,691The complete starting cash picture.
Estimated remaining funds due at closing
$183,691No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,643.67
Your down payment$168,643.67
Closing costs + prepaids$15,047.23
Total buyer cash needed$183,690.91
Remaining funds due$183,690.91
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%)$2,156.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$720.00
Prepaid interest, first (9 days)$703.95
Fees + prepaids$15,047.23
Your down payment is the seller’s equity. You take over the $431,256 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $183,690.91 is due at closing. Uses and sources reconcile at $614,947.23 each. Not a Closing Disclosure.