Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$171,747Cash toward the purchase price.
Closing costs + prepaids$16,082Not just lender fees.
Before credits & paid funds$187,829The complete starting cash picture.
Estimated remaining funds due at closing
$187,829No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,746.88
Your down payment$171,746.88
Closing costs + prepaids$16,082.31
Total buyer cash needed$187,829.20
Remaining funds due$187,829.20
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,066.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,505.50
Initial HOA (3 months)$249.99
Prepaid interest, first (25 days)$942.56
Fees + prepaids$16,082.31
Your down payment is the seller’s equity. You take over the $413,253 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $187,829.20 is due at closing. Uses and sources reconcile at $601,082.31 each. Not a Closing Disclosure.