Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$442,828Cash toward the purchase price.
Closing costs + prepaids$13,143Not just lender fees.
Before credits & paid funds$455,971The complete starting cash picture.
Estimated remaining funds due at closing
$455,971No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$442,828.21
Your down payment$442,828.21
Closing costs + prepaids$13,142.93
Total buyer cash needed$455,971.14
Remaining funds due$455,971.14
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%)$785.86
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)$8.76
Prepaid interest, first (17 days)$160.32
Fees + prepaids$13,142.93
Your down payment is the seller’s equity. You take over the $157,172 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $455,971.14 is due at closing. Uses and sources reconcile at $613,142.93 each. Not a Closing Disclosure.