Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$178,927Cash toward the purchase price.
Closing costs + prepaids$14,737Not just lender fees.
Before credits & paid funds$193,664The complete starting cash picture.
Estimated remaining funds due at closing
$193,664No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,926.85
Your down payment$178,926.85
Closing costs + prepaids$14,737.00
Total buyer cash needed$193,663.84
Remaining funds due$193,663.84
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%)$5,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,729.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,312.25
Initial HOA (3 months)$312.00
Prepaid interest, first (25 days)$665.88
Fees + prepaids$14,737.00
Your down payment is the seller’s equity. You take over the $345,973 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $193,663.84 is due at closing. Uses and sources reconcile at $539,637.00 each. Not a Closing Disclosure.