Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$183,164Cash toward the purchase price.
Closing costs + prepaids$15,836Not just lender fees.
Before credits & paid funds$199,000The complete starting cash picture.
Estimated remaining funds due at closing
$199,000No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,164.00
Your down payment$183,164.00
Closing costs + prepaids$15,835.97
Total buyer cash needed$198,999.97
Remaining funds due$198,999.97
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,059.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,487.50
Prepaid interest, first (26 days)$871.29
Fees + prepaids$15,835.97
Your down payment is the seller’s equity. You take over the $411,836 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $198,999.97 is due at closing. Uses and sources reconcile at $610,835.97 each. Not a Closing Disclosure.