Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$196,052Cash toward the purchase price.
Closing costs + prepaids$14,341Not just lender fees.
Before credits & paid funds$210,394The complete starting cash picture.
Estimated remaining funds due at closing
$210,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,052.27
Your down payment$196,052.27
Closing costs + prepaids$14,341.24
Total buyer cash needed$210,393.50
Remaining funds due$210,393.50
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,944.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$162.50
Prepaid interest, first (28 days)$916.00
Fees + prepaids$14,341.24
Your down payment is the seller’s equity. You take over the $388,948 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $210,393.50 is due at closing. Uses and sources reconcile at $599,341.24 each. Not a Closing Disclosure.