Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$187,013Cash toward the purchase price.
Closing costs + prepaids$14,297Not just lender fees.
Before credits & paid funds$201,310The complete starting cash picture.
Estimated remaining funds due at closing
$201,310No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,013.00
Your down payment$187,013.00
Closing costs + prepaids$14,296.72
Total buyer cash needed$201,309.72
Remaining funds due$201,309.72
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%)$5,670.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,899.93
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$263.75
Initial HOA (3 months)$68.49
Prepaid interest, first (25 days)$926.54
Fees + prepaids$14,296.72
Your down payment is the seller’s equity. You take over the $379,987 balance, so the rest of the $567,000 price is paid at closing. A second mortgage can cover part of it. $201,309.72 is due at closing. Uses and sources reconcile at $581,296.72 each. Not a Closing Disclosure.