Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$165,103Cash toward the purchase price.
Closing costs + prepaids$16,015Not just lender fees.
Before credits & paid funds$181,118The complete starting cash picture.
Estimated remaining funds due at closing
$181,118No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,103.20
Your down payment$165,103.20
Closing costs + prepaids$16,015.14
Total buyer cash needed$181,118.34
Remaining funds due$181,118.34
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%)$5,899.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,124.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,469.25
Initial HOA (3 months)$279.99
Prepaid interest, first (22 days)$773.43
Fees + prepaids$16,015.14
Your down payment is the seller’s equity. You take over the $424,896 balance, so the rest of the $589,999 price is paid at closing. A second mortgage can cover part of it. $181,118.34 is due at closing. Uses and sources reconcile at $606,014.14 each. Not a Closing Disclosure.