Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$161,410Cash toward the purchase price.
Closing costs + prepaids$14,773Not just lender fees.
Before credits & paid funds$176,183The complete starting cash picture.
Estimated remaining funds due at closing
$176,183No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,410.32
Your down payment$161,410.32
Closing costs + prepaids$14,772.93
Total buyer cash needed$176,183.25
Remaining funds due$176,183.25
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%)$5,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,992.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$791.25
Initial HOA (3 months)$225.00
Prepaid interest, first (23 days)$695.73
Fees + prepaids$14,772.93
Your down payment is the seller’s equity. You take over the $398,590 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $176,183.25 is due at closing. Uses and sources reconcile at $574,772.93 each. Not a Closing Disclosure.