Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$214,223Cash toward the purchase price.
Closing costs + prepaids$13,811Not just lender fees.
Before credits & paid funds$228,034The complete starting cash picture.
Estimated remaining funds due at closing
$228,034No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,223.45
Your down payment$214,223.45
Closing costs + prepaids$13,810.60
Total buyer cash needed$228,034.05
Remaining funds due$228,034.05
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%)$1,923.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$357.50
Prepaid interest, first (2 days)$72.72
Fees + prepaids$13,810.60
Your down payment is the seller’s equity. You take over the $384,677 balance, so the rest of the $598,900 price is paid at closing. A second mortgage can cover part of it. $228,034.05 is due at closing. Uses and sources reconcile at $612,710.60 each. Not a Closing Disclosure.