Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$208,991Cash toward the purchase price.
Closing costs + prepaids$14,342Not just lender fees.
Before credits & paid funds$223,333The complete starting cash picture.
Estimated remaining funds due at closing
$223,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,991.04
Your down payment$208,991.04
Closing costs + prepaids$14,341.64
Total buyer cash needed$223,332.68
Remaining funds due$223,332.68
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%)$1,955.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$569.75
Initial HOA (3 months)$282.00
Prepaid interest, first (2 days)$66.85
Fees + prepaids$14,341.64
Your down payment is the seller’s equity. You take over the $391,009 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $223,332.68 is due at closing. Uses and sources reconcile at $614,341.64 each. Not a Closing Disclosure.