Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$178,765Cash toward the purchase price.
Closing costs + prepaids$15,018Not just lender fees.
Before credits & paid funds$193,784The complete starting cash picture.
Estimated remaining funds due at closing
$193,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,765.25
Your down payment$178,765.25
Closing costs + prepaids$15,018.47
Total buyer cash needed$193,783.72
Remaining funds due$193,783.72
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%)$6,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,106.17
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 (12 days)$724.29
Fees + prepaids$15,018.47
Your down payment is the seller’s equity. You take over the $421,235 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $193,783.72 is due at closing. Uses and sources reconcile at $615,018.47 each. Not a Closing Disclosure.