Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$184,600Cash toward the purchase price.
Closing costs + prepaids$14,979Not just lender fees.
Before credits & paid funds$199,579The complete starting cash picture.
Estimated remaining funds due at closing
$199,579No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,600.30
Your down payment$184,600.30
Closing costs + prepaids$14,978.88
Total buyer cash needed$199,579.18
Remaining funds due$199,579.18
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%)$5,999.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,076.75
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 (10 days)$714.63
Fees + prepaids$14,978.88
Your down payment is the seller’s equity. You take over the $415,350 balance, so the rest of the $599,950 price is paid at closing. A second mortgage can cover part of it. $199,579.18 is due at closing. Uses and sources reconcile at $614,928.88 each. Not a Closing Disclosure.