Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$416,066Cash toward the purchase price.
Closing costs + prepaids$13,721Not just lender fees.
Before credits & paid funds$429,787The complete starting cash picture.
Estimated remaining funds due at closing
$429,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$416,066.46
Your down payment$416,066.46
Closing costs + prepaids$13,720.57
Total buyer cash needed$429,787.03
Remaining funds due$429,787.03
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%)$919.67
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)$434.01
Prepaid interest, first (10 days)$178.89
Fees + prepaids$13,720.57
Your down payment is the seller’s equity. You take over the $183,934 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $429,787.03 is due at closing. Uses and sources reconcile at $613,720.57 each. Not a Closing Disclosure.