Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$183,637Cash toward the purchase price.
Closing costs + prepaids$14,701Not just lender fees.
Before credits & paid funds$198,338The complete starting cash picture.
Estimated remaining funds due at closing
$198,338No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,636.52
Your down payment$183,636.52
Closing costs + prepaids$14,701.16
Total buyer cash needed$198,337.68
Remaining funds due$198,337.68
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%)$5,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,931.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$437.00
Initial HOA (3 months)$489.00
Prepaid interest, first (22 days)$675.34
Fees + prepaids$14,701.16
Your down payment is the seller’s equity. You take over the $386,363 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $198,337.68 is due at closing. Uses and sources reconcile at $584,701.16 each. Not a Closing Disclosure.