Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$156,758Cash toward the purchase price.
Closing costs + prepaids$16,190Not just lender fees.
Before credits & paid funds$172,948The complete starting cash picture.
Estimated remaining funds due at closing
$172,948No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,757.62
Your down payment$156,757.62
Closing costs + prepaids$16,190.44
Total buyer cash needed$172,948.06
Remaining funds due$172,948.06
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%)$5,770.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,101.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,985.25
Initial HOA (3 months)$53.01
Prepaid interest, first (23 days)$812.97
Fees + prepaids$16,190.44
Your down payment is the seller’s equity. You take over the $420,242 balance, so the rest of the $577,000 price is paid at closing. A second mortgage can cover part of it. $172,948.06 is due at closing. Uses and sources reconcile at $593,190.44 each. Not a Closing Disclosure.