Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$158,742Cash toward the purchase price.
Closing costs + prepaids$16,715Not just lender fees.
Before credits & paid funds$175,456The complete starting cash picture.
Estimated remaining funds due at closing
$175,456No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,741.86
Your down payment$158,741.86
Closing costs + prepaids$16,714.51
Total buyer cash needed$175,456.37
Remaining funds due$175,456.37
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%)$5,640.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,026.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,713.75
Initial HOA (3 months)$33.75
Prepaid interest, first (25 days)$832.72
Fees + prepaids$16,714.51
Your down payment is the seller’s equity. You take over the $405,258 balance, so the rest of the $564,000 price is paid at closing. A second mortgage can cover part of it. $175,456.37 is due at closing. Uses and sources reconcile at $580,714.51 each. Not a Closing Disclosure.