Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$190,497Cash toward the purchase price.
Closing costs + prepaids$17,355Not just lender fees.
Before credits & paid funds$207,852The complete starting cash picture.
Estimated remaining funds due at closing
$207,852No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,496.93
Your down payment$190,496.93
Closing costs + prepaids$17,355.00
Total buyer cash needed$207,851.93
Remaining funds due$207,851.93
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%)$5,999.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,047.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,500.00
Initial HOA (3 months)$1,440.00
Prepaid interest, first (25 days)$900.24
Fees + prepaids$17,355.00
Your down payment is the seller’s equity. You take over the $409,453 balance, so the rest of the $599,950 price is paid at closing. A second mortgage can cover part of it. $207,851.93 is due at closing. Uses and sources reconcile at $617,305.00 each. Not a Closing Disclosure.