Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$175,360Cash toward the purchase price.
Closing costs + prepaids$13,287Not just lender fees.
Before credits & paid funds$188,647The complete starting cash picture.
Estimated remaining funds due at closing
$188,647No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,359.65
Your down payment$175,359.65
Closing costs + prepaids$13,287.30
Total buyer cash needed$188,646.95
Remaining funds due$188,646.95
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,623.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$573.50
Prepaid interest, first (25 days)$622.60
Fees + prepaids$13,287.30
Your down payment is the seller’s equity. You take over the $324,640 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $188,646.95 is due at closing. Uses and sources reconcile at $513,287.30 each. Not a Closing Disclosure.