Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$168,216Cash toward the purchase price.
Closing costs + prepaids$13,968Not just lender fees.
Before credits & paid funds$182,184The complete starting cash picture.
Estimated remaining funds due at closing
$182,184No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,215.62
Your down payment$168,215.62
Closing costs + prepaids$13,967.97
Total buyer cash needed$182,183.58
Remaining funds due$182,183.58
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%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,158.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$264.25
Prepaid interest, first (1 days)$78.29
Fees + prepaids$13,967.97
Your down payment is the seller’s equity. You take over the $431,684 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $182,183.58 is due at closing. Uses and sources reconcile at $613,867.97 each. Not a Closing Disclosure.