Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$175,849Cash toward the purchase price.
Closing costs + prepaids$15,118Not just lender fees.
Before credits & paid funds$190,967The complete starting cash picture.
Estimated remaining funds due at closing
$190,967No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,848.98
Your down payment$175,848.98
Closing costs + prepaids$15,117.74
Total buyer cash needed$190,966.72
Remaining funds due$190,966.72
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%)$5,740.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,990.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,114.50
Prepaid interest, first (25 days)$804.48
Fees + prepaids$15,117.74
Your down payment is the seller’s equity. You take over the $398,151 balance, so the rest of the $574,000 price is paid at closing. A second mortgage can cover part of it. $190,966.72 is due at closing. Uses and sources reconcile at $589,117.74 each. Not a Closing Disclosure.