Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$184,600Cash toward the purchase price.
Closing costs + prepaids$14,907Not just lender fees.
Before credits & paid funds$199,508The complete starting cash picture.
Estimated remaining funds due at closing
$199,508No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,600.30
Your down payment$184,600.30
Closing costs + prepaids$14,907.41
Total buyer cash needed$199,507.71
Remaining funds due$199,507.71
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%)$5,999.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,076.75
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)$643.17
Fees + prepaids$14,907.41
Your down payment is the seller’s equity. You take over the $415,350 balance, so the rest of the $599,950 price is paid at closing. A second mortgage can cover part of it. $199,507.71 is due at closing. Uses and sources reconcile at $614,857.41 each. Not a Closing Disclosure.