Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$211,613Cash toward the purchase price.
Closing costs + prepaids$13,876Not just lender fees.
Before credits & paid funds$225,489The complete starting cash picture.
Estimated remaining funds due at closing
$225,489No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,612.93
Your down payment$211,612.93
Closing costs + prepaids$13,875.93
Total buyer cash needed$225,488.86
Remaining funds due$225,488.86
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%)$5,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,931.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$463.50
Prepaid interest, first (1 days)$32.50
Fees + prepaids$13,875.93
Your down payment is the seller’s equity. You take over the $386,387 balance, so the rest of the $598,000 price is paid at closing. A second mortgage can cover part of it. $225,488.86 is due at closing. Uses and sources reconcile at $611,875.93 each. Not a Closing Disclosure.