Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$187,371Cash toward the purchase price.
Closing costs + prepaids$14,857Not just lender fees.
Before credits & paid funds$202,228The complete starting cash picture.
Estimated remaining funds due at closing
$202,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,371.42
Your down payment$187,371.42
Closing costs + prepaids$14,856.68
Total buyer cash needed$202,228.10
Remaining funds due$202,228.10
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%)$5,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,013.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$569.00
Initial HOA (3 months)$186.00
Prepaid interest, first (23 days)$720.54
Fees + prepaids$14,856.68
Your down payment is the seller’s equity. You take over the $402,629 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $202,228.10 is due at closing. Uses and sources reconcile at $604,856.68 each. Not a Closing Disclosure.