Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$190,031Cash toward the purchase price.
Closing costs + prepaids$17,750Not just lender fees.
Before credits & paid funds$207,781The complete starting cash picture.
Estimated remaining funds due at closing
$207,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,031.22
Your down payment$190,031.22
Closing costs + prepaids$17,750.15
Total buyer cash needed$207,781.37
Remaining funds due$207,781.37
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%)$1,924.34
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,836.25
Initial HOA (3 months)$1,379.01
Prepaid interest, first (28 days)$1,393.54
Fees + prepaids$17,750.15
Your down payment is the seller’s equity. You take over the $384,869 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $207,781.37 is due at closing. Uses and sources reconcile at $592,650.15 each. Not a Closing Disclosure.