Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$221,753Cash toward the purchase price.
Closing costs + prepaids$14,421Not just lender fees.
Before credits & paid funds$236,174The complete starting cash picture.
Estimated remaining funds due at closing
$236,174No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,752.77
Your down payment$221,752.77
Closing costs + prepaids$14,421.42
Total buyer cash needed$236,174.20
Remaining funds due$236,174.20
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%)$5,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,886.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$718.75
Prepaid interest, first (12 days)$358.44
Fees + prepaids$14,421.42
Your down payment is the seller’s equity. You take over the $377,247 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $236,174.20 is due at closing. Uses and sources reconcile at $613,421.42 each. Not a Closing Disclosure.