Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$135,609Cash toward the purchase price.
Closing costs + prepaids$15,186Not just lender fees.
Before credits & paid funds$150,795The complete starting cash picture.
Estimated remaining funds due at closing
$150,795No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,608.92
Your down payment$135,608.92
Closing costs + prepaids$15,186.15
Total buyer cash needed$150,795.08
Remaining funds due$150,795.08
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%)$2,321.96
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)$180.00
Prepaid interest, first (6 days)$496.20
Fees + prepaids$15,186.15
Your down payment is the seller’s equity. You take over the $464,391 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $150,795.08 is due at closing. Uses and sources reconcile at $615,186.15 each. Not a Closing Disclosure.