Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$175,429Cash toward the purchase price.
Closing costs + prepaids$16,103Not just lender fees.
Before credits & paid funds$191,532The complete starting cash picture.
Estimated remaining funds due at closing
$191,532No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,429.12
Your down payment$175,429.12
Closing costs + prepaids$16,102.68
Total buyer cash needed$191,531.79
Remaining funds due$191,531.79
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%)$5,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,122.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,469.25
Initial HOA (3 months)$279.99
Prepaid interest, first (22 days)$762.60
Fees + prepaids$16,102.68
Your down payment is the seller’s equity. You take over the $424,570 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $191,531.79 is due at closing. Uses and sources reconcile at $616,101.68 each. Not a Closing Disclosure.