Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$163,498Cash toward the purchase price.
Closing costs + prepaids$14,793Not just lender fees.
Before credits & paid funds$178,292The complete starting cash picture.
Estimated remaining funds due at closing
$178,292No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,498.27
Your down payment$163,498.27
Closing costs + prepaids$14,793.27
Total buyer cash needed$178,291.54
Remaining funds due$178,291.54
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%)$2,177.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$814.50
Initial HOA (3 months)$270.00
Prepaid interest, first (2 days)$73.26
Fees + prepaids$14,793.27
Your down payment is the seller’s equity. You take over the $435,502 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $178,291.54 is due at closing. Uses and sources reconcile at $613,793.27 each. Not a Closing Disclosure.