Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$138,938Cash toward the purchase price.
Closing costs + prepaids$15,252Not just lender fees.
Before credits & paid funds$154,191The complete starting cash picture.
Estimated remaining funds due at closing
$154,191No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,938.33
Your down payment$138,938.33
Closing costs + prepaids$15,252.19
Total buyer cash needed$154,190.52
Remaining funds due$154,190.52
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%)$2,305.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$720.00
Initial HOA (3 months)$195.00
Prepaid interest, first (12 days)$563.88
Fees + prepaids$15,252.19
Your down payment is the seller’s equity. You take over the $461,062 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $154,190.52 is due at closing. Uses and sources reconcile at $615,252.19 each. Not a Closing Disclosure.