Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$214,223Cash toward the purchase price.
Closing costs + prepaids$13,774Not just lender fees.
Before credits & paid funds$227,998The complete starting cash picture.
Estimated remaining funds due at closing
$227,998No 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$13,774.24
Total buyer cash needed$227,997.69
Remaining funds due$227,997.69
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 (1 days)$36.36
Fees + prepaids$13,774.24
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. $227,997.69 is due at closing. Uses and sources reconcile at $612,674.24 each. Not a Closing Disclosure.