Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$162,931Cash toward the purchase price.
Closing costs + prepaids$14,572Not just lender fees.
Before credits & paid funds$177,503The complete starting cash picture.
Estimated remaining funds due at closing
$177,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,930.58
Your down payment$162,930.58
Closing costs + prepaids$14,572.01
Total buyer cash needed$177,502.58
Remaining funds due$177,502.58
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%)$5,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,134.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$195.75
Prepaid interest, first (25 days)$874.41
Fees + prepaids$14,572.01
Your down payment is the seller’s equity. You take over the $426,969 balance, so the rest of the $589,900 price is paid at closing. A second mortgage can cover part of it. $177,502.58 is due at closing. Uses and sources reconcile at $604,472.01 each. Not a Closing Disclosure.