Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$188,301Cash toward the purchase price.
Closing costs + prepaids$14,891Not just lender fees.
Before credits & paid funds$203,192The complete starting cash picture.
Estimated remaining funds due at closing
$203,192No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,300.64
Your down payment$188,300.64
Closing costs + prepaids$14,891.14
Total buyer cash needed$203,191.78
Remaining funds due$203,191.78
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%)$5,549.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,833.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$300.00
Prepaid interest, first (26 days)$1,739.66
Fees + prepaids$14,891.14
Your down payment is the seller’s equity. You take over the $366,698 balance, so the rest of the $554,999 price is paid at closing. A second mortgage can cover part of it. $203,191.78 is due at closing. Uses and sources reconcile at $569,890.14 each. Not a Closing Disclosure.