Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$192,503Cash toward the purchase price.
Closing costs + prepaids$17,326Not just lender fees.
Before credits & paid funds$209,829The complete starting cash picture.
Estimated remaining funds due at closing
$209,829No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,503.01
Your down payment$192,503.01
Closing costs + prepaids$17,326.36
Total buyer cash needed$209,829.37
Remaining funds due$209,829.37
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,912.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,081.25
Initial HOA (3 months)$1,221.00
Prepaid interest, first (26 days)$1,893.62
Fees + prepaids$17,326.36
Your down payment is the seller’s equity. You take over the $382,497 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $209,829.37 is due at closing. Uses and sources reconcile at $592,326.36 each. Not a Closing Disclosure.