Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$174,328Cash toward the purchase price.
Closing costs + prepaids$14,628Not just lender fees.
Before credits & paid funds$188,957The complete starting cash picture.
Estimated remaining funds due at closing
$188,957No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,328.19
Your down payment$174,328.19
Closing costs + prepaids$14,628.41
Total buyer cash needed$188,956.60
Remaining funds due$188,956.60
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%)$5,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,928.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$727.50
Initial HOA (3 months)$120.00
Prepaid interest, first (25 days)$784.55
Fees + prepaids$14,628.41
Your down payment is the seller’s equity. You take over the $385,672 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $188,956.60 is due at closing. Uses and sources reconcile at $574,628.41 each. Not a Closing Disclosure.