Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$179,527Cash toward the purchase price.
Closing costs + prepaids$13,963Not just lender fees.
Before credits & paid funds$193,491The complete starting cash picture.
Estimated remaining funds due at closing
$193,491No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,527.43
Your down payment$179,527.43
Closing costs + prepaids$13,963.22
Total buyer cash needed$193,490.65
Remaining funds due$193,490.65
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%)$5,059.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,632.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$896.25
Initial HOA (3 months)$195.00
Prepaid interest, first (26 days)$711.62
Fees + prepaids$13,963.22
Your down payment is the seller’s equity. You take over the $326,472 balance, so the rest of the $505,999 price is paid at closing. A second mortgage can cover part of it. $193,490.65 is due at closing. Uses and sources reconcile at $519,962.22 each. Not a Closing Disclosure.