Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$215,013Cash toward the purchase price.
Closing costs + prepaids$14,458Not just lender fees.
Before credits & paid funds$229,471The complete starting cash picture.
Estimated remaining funds due at closing
$229,471No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,013.21
Your down payment$215,013.21
Closing costs + prepaids$14,458.04
Total buyer cash needed$229,471.25
Remaining funds due$229,471.25
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%)$5,989.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,919.43
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 (10 days)$362.85
Fees + prepaids$14,458.04
Your down payment is the seller’s equity. You take over the $383,887 balance, so the rest of the $598,900 price is paid at closing. A second mortgage can cover part of it. $229,471.25 is due at closing. Uses and sources reconcile at $613,358.04 each. Not a Closing Disclosure.