Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$153,859Cash toward the purchase price.
Closing costs + prepaids$16,904Not just lender fees.
Before credits & paid funds$170,763The complete starting cash picture.
Estimated remaining funds due at closing
$170,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,859.02
Your down payment$153,859.02
Closing costs + prepaids$16,904.11
Total buyer cash needed$170,763.13
Remaining funds due$170,763.13
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%)$5,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,105.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,437.25
Prepaid interest, first (28 days)$2,144.66
Fees + prepaids$16,904.11
Your down payment is the seller’s equity. You take over the $421,041 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $170,763.13 is due at closing. Uses and sources reconcile at $591,804.11 each. Not a Closing Disclosure.