Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$176,674Cash toward the purchase price.
Closing costs + prepaids$16,577Not just lender fees.
Before credits & paid funds$193,251The complete starting cash picture.
Estimated remaining funds due at closing
$193,251No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,673.86
Your down payment$176,673.86
Closing costs + prepaids$16,576.89
Total buyer cash needed$193,250.75
Remaining funds due$193,250.75
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%)$5,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,966.63
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,425.00
Initial HOA (3 months)$1,275.00
Prepaid interest, first (24 days)$742.25
Fees + prepaids$16,576.89
Your down payment is the seller’s equity. You take over the $393,326 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $193,250.75 is due at closing. Uses and sources reconcile at $586,576.89 each. Not a Closing Disclosure.