Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$186,571Cash toward the purchase price.
Closing costs + prepaids$15,480Not just lender fees.
Before credits & paid funds$202,051The complete starting cash picture.
Estimated remaining funds due at closing
$202,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,571.36
Your down payment$186,571.36
Closing costs + prepaids$15,479.95
Total buyer cash needed$202,051.31
Remaining funds due$202,051.31
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%)$5,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,916.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,202.50
Initial HOA (3 months)$288.00
Prepaid interest, first (25 days)$905.81
Fees + prepaids$15,479.95
Your down payment is the seller’s equity. You take over the $383,329 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $202,051.31 is due at closing. Uses and sources reconcile at $585,379.95 each. Not a Closing Disclosure.