Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$187,363Cash toward the purchase price.
Closing costs + prepaids$15,221Not just lender fees.
Before credits & paid funds$202,584The complete starting cash picture.
Estimated remaining funds due at closing
$202,584No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,363.37
Your down payment$187,363.37
Closing costs + prepaids$15,220.53
Total buyer cash needed$202,583.89
Remaining funds due$202,583.89
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%)$5,399.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,763.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,350.00
Initial HOA (3 months)$354.00
Prepaid interest, first (29 days)$885.36
Fees + prepaids$15,220.53
Your down payment is the seller’s equity. You take over the $352,636 balance, so the rest of the $539,999 price is paid at closing. A second mortgage can cover part of it. $202,583.89 is due at closing. Uses and sources reconcile at $555,219.53 each. Not a Closing Disclosure.