Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$186,538Cash toward the purchase price.
Closing costs + prepaids$15,333Not just lender fees.
Before credits & paid funds$201,870The complete starting cash picture.
Estimated remaining funds due at closing
$201,870No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,537.70
Your down payment$186,537.70
Closing costs + prepaids$15,332.74
Total buyer cash needed$201,870.44
Remaining funds due$201,870.44
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%)$5,599.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,867.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,400.00
Prepaid interest, first (26 days)$997.58
Fees + prepaids$15,332.74
Your down payment is the seller’s equity. You take over the $373,452 balance, so the rest of the $559,990 price is paid at closing. A second mortgage can cover part of it. $201,870.44 is due at closing. Uses and sources reconcile at $575,322.74 each. Not a Closing Disclosure.