Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$175,728Cash toward the purchase price.
Closing costs + prepaids$15,468Not just lender fees.
Before credits & paid funds$191,196The complete starting cash picture.
Estimated remaining funds due at closing
$191,196No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,727.83
Your down payment$175,727.83
Closing costs + prepaids$15,468.35
Total buyer cash needed$191,196.18
Remaining funds due$191,196.18
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,996.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,437.50
Prepaid interest, first (24 days)$816.48
Fees + prepaids$15,468.35
Your down payment is the seller’s equity. You take over the $399,272 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $191,196.18 is due at closing. Uses and sources reconcile at $590,468.35 each. Not a Closing Disclosure.