Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$179,065Cash toward the purchase price.
Closing costs + prepaids$14,215Not just lender fees.
Before credits & paid funds$193,281The complete starting cash picture.
Estimated remaining funds due at closing
$193,281No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,065.37
Your down payment$179,065.37
Closing costs + prepaids$14,215.33
Total buyer cash needed$193,280.70
Remaining funds due$193,280.70
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%)$5,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,754.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$859.25
Initial HOA (3 months)$27.51
Prepaid interest, first (28 days)$807.40
Fees + prepaids$14,215.33
Your down payment is the seller’s equity. You take over the $350,835 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $193,280.70 is due at closing. Uses and sources reconcile at $544,115.33 each. Not a Closing Disclosure.