Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$177,760Cash toward the purchase price.
Closing costs + prepaids$15,902Not just lender fees.
Before credits & paid funds$193,662The complete starting cash picture.
Estimated remaining funds due at closing
$193,662No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,759.84
Your down payment$177,759.84
Closing costs + prepaids$15,901.90
Total buyer cash needed$193,661.74
Remaining funds due$193,661.74
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%)$5,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,006.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,447.50
Prepaid interest, first (27 days)$1,190.20
Fees + prepaids$15,901.90
Your down payment is the seller’s equity. You take over the $401,240 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $193,661.74 is due at closing. Uses and sources reconcile at $594,901.90 each. Not a Closing Disclosure.