Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$173,355Cash toward the purchase price.
Closing costs + prepaids$15,052Not just lender fees.
Before credits & paid funds$188,407The complete starting cash picture.
Estimated remaining funds due at closing
$188,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,354.94
Your down payment$173,354.94
Closing costs + prepaids$15,052.07
Total buyer cash needed$188,407.02
Remaining funds due$188,407.02
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%)$4,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,633.22
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,037.00
Initial HOA (3 months)$327.00
Prepaid interest, first (26 days)$1,586.86
Fees + prepaids$15,052.07
Your down payment is the seller’s equity. You take over the $326,644 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $188,407.02 is due at closing. Uses and sources reconcile at $515,051.07 each. Not a Closing Disclosure.