Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$183,260Cash toward the purchase price.
Closing costs + prepaids$17,928Not just lender fees.
Before credits & paid funds$201,188The complete starting cash picture.
Estimated remaining funds due at closing
$201,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,260.30
Your down payment$183,260.30
Closing costs + prepaids$17,927.70
Total buyer cash needed$201,188.01
Remaining funds due$201,188.01
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%)$5,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,058.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,727.25
Initial HOA (3 months)$498.00
Prepaid interest, first (29 days)$2,227.25
Fees + prepaids$17,927.70
Your down payment is the seller’s equity. You take over the $411,640 balance, so the rest of the $594,900 price is paid at closing. A second mortgage can cover part of it. $201,188.01 is due at closing. Uses and sources reconcile at $612,827.70 each. Not a Closing Disclosure.