Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$177,944Cash toward the purchase price.
Closing costs + prepaids$17,790Not just lender fees.
Before credits & paid funds$195,734The complete starting cash picture.
Estimated remaining funds due at closing
$195,734No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,943.66
Your down payment$177,943.66
Closing costs + prepaids$17,790.49
Total buyer cash needed$195,734.15
Remaining funds due$195,734.15
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%)$6,030.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,125.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,613.25
Initial HOA (3 months)$615.00
Prepaid interest, first (25 days)$1,938.96
Fees + prepaids$17,790.49
Your down payment is the seller’s equity. You take over the $425,056 balance, so the rest of the $603,000 price is paid at closing. A second mortgage can cover part of it. $195,734.15 is due at closing. Uses and sources reconcile at $620,790.49 each. Not a Closing Disclosure.