Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$192,559Cash toward the purchase price.
Closing costs + prepaids$16,008Not just lender fees.
Before credits & paid funds$208,567The complete starting cash picture.
Estimated remaining funds due at closing
$208,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,559.23
Your down payment$192,559.23
Closing costs + prepaids$16,007.92
Total buyer cash needed$208,567.15
Remaining funds due$208,567.15
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%)$6,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,087.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,525.00
Initial HOA (3 months)$30.00
Prepaid interest, first (25 days)$797.71
Fees + prepaids$16,007.92
Your down payment is the seller’s equity. You take over the $417,441 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $208,567.15 is due at closing. Uses and sources reconcile at $626,007.92 each. Not a Closing Disclosure.