Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$160,995Cash toward the purchase price.
Closing costs + prepaids$17,114Not just lender fees.
Before credits & paid funds$178,109The complete starting cash picture.
Estimated remaining funds due at closing
$178,109No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,994.67
Your down payment$160,994.67
Closing costs + prepaids$17,113.95
Total buyer cash needed$178,108.63
Remaining funds due$178,108.63
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%)$5,695.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,042.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,423.75
Initial HOA (3 months)$375.00
Prepaid interest, first (29 days)$2,109.68
Fees + prepaids$17,113.95
Your down payment is the seller’s equity. You take over the $408,505 balance, so the rest of the $569,500 price is paid at closing. A second mortgage can cover part of it. $178,108.63 is due at closing. Uses and sources reconcile at $586,613.95 each. Not a Closing Disclosure.