Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$153,876Cash toward the purchase price.
Closing costs + prepaids$15,172Not just lender fees.
Before credits & paid funds$169,048The complete starting cash picture.
Estimated remaining funds due at closing
$169,048No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,876.16
Your down payment$153,876.16
Closing costs + prepaids$15,172.30
Total buyer cash needed$169,048.47
Remaining funds due$169,048.47
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%)$2,230.12
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 (10 days)$755.19
Fees + prepaids$15,172.30
Your down payment is the seller’s equity. You take over the $446,024 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $169,048.47 is due at closing. Uses and sources reconcile at $615,072.30 each. Not a Closing Disclosure.