Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$174,572Cash toward the purchase price.
Closing costs + prepaids$15,706Not just lender fees.
Before credits & paid funds$190,278The complete starting cash picture.
Estimated remaining funds due at closing
$190,278No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,571.75
Your down payment$174,571.75
Closing costs + prepaids$15,705.88
Total buyer cash needed$190,277.63
Remaining funds due$190,277.63
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%)$6,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,152.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,034.75
Initial HOA (3 months)$84.00
Prepaid interest, first (27 days)$916.99
Fees + prepaids$15,705.88
Your down payment is the seller’s equity. You take over the $430,428 balance, so the rest of the $605,000 price is paid at closing. A second mortgage can cover part of it. $190,277.63 is due at closing. Uses and sources reconcile at $620,705.88 each. Not a Closing Disclosure.