Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$186,681Cash toward the purchase price.
Closing costs + prepaids$14,990Not just lender fees.
Before credits & paid funds$201,670The complete starting cash picture.
Estimated remaining funds due at closing
$201,670No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,680.92
Your down payment$186,680.92
Closing costs + prepaids$14,989.52
Total buyer cash needed$201,670.45
Remaining funds due$201,670.45
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%)$5,599.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,866.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$642.75
Initial HOA (3 months)$690.00
Prepaid interest, first (23 days)$722.19
Fees + prepaids$14,989.52
Your down payment is the seller’s equity. You take over the $373,318 balance, so the rest of the $559,999 price is paid at closing. A second mortgage can cover part of it. $201,670.45 is due at closing. Uses and sources reconcile at $574,988.52 each. Not a Closing Disclosure.