Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$158,613Cash toward the purchase price.
Closing costs + prepaids$16,688Not just lender fees.
Before credits & paid funds$175,301The complete starting cash picture.
Estimated remaining funds due at closing
$175,301No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,612.50
Your down payment$158,612.50
Closing costs + prepaids$16,688.12
Total buyer cash needed$175,300.62
Remaining funds due$175,300.62
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%)$5,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,031.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,659.50
Initial HOA (3 months)$483.00
Prepaid interest, first (24 days)$1,397.18
Fees + prepaids$16,688.12
Your down payment is the seller’s equity. You take over the $406,287 balance, so the rest of the $564,900 price is paid at closing. A second mortgage can cover part of it. $175,300.62 is due at closing. Uses and sources reconcile at $581,588.12 each. Not a Closing Disclosure.