Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$178,023Cash toward the purchase price.
Closing costs + prepaids$16,089Not just lender fees.
Before credits & paid funds$194,113The complete starting cash picture.
Estimated remaining funds due at closing
$194,113No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,023.44
Your down payment$178,023.44
Closing costs + prepaids$16,089.20
Total buyer cash needed$194,112.64
Remaining funds due$194,112.64
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%)$5,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,059.88
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$476.50
Initial HOA (3 months)$336.00
Prepaid interest, first (26 days)$1,848.82
Fees + prepaids$16,089.20
Your down payment is the seller’s equity. You take over the $411,977 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $194,112.64 is due at closing. Uses and sources reconcile at $606,089.20 each. Not a Closing Disclosure.