Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$161,523Cash toward the purchase price.
Closing costs + prepaids$14,312Not just lender fees.
Before credits & paid funds$175,835The complete starting cash picture.
Estimated remaining funds due at closing
$175,835No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,523.42
Your down payment$161,523.42
Closing costs + prepaids$14,311.72
Total buyer cash needed$175,835.14
Remaining funds due$175,835.14
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%)$2,167.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Prepaid interest, first (22 days)$726.34
Fees + prepaids$14,311.72
Your down payment is the seller’s equity. You take over the $433,477 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $175,835.14 is due at closing. Uses and sources reconcile at $609,311.72 each. Not a Closing Disclosure.