Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$196,717Cash toward the purchase price.
Closing costs + prepaids$15,126Not just lender fees.
Before credits & paid funds$211,843The complete starting cash picture.
Estimated remaining funds due at closing
$211,843No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,716.91
Your down payment$196,716.91
Closing costs + prepaids$15,125.63
Total buyer cash needed$211,842.53
Remaining funds due$211,842.53
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,891.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,298.00
Initial HOA (3 months)$0.51
Prepaid interest, first (25 days)$717.70
Fees + prepaids$15,125.63
Your down payment is the seller’s equity. You take over the $378,283 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $211,842.53 is due at closing. Uses and sources reconcile at $590,125.63 each. Not a Closing Disclosure.