Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$183,637Cash toward the purchase price.
Closing costs + prepaids$14,947Not just lender fees.
Before credits & paid funds$198,583The complete starting cash picture.
Estimated remaining funds due at closing
$198,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,636.52
Your down payment$183,636.52
Closing costs + prepaids$14,946.74
Total buyer cash needed$198,583.26
Remaining funds due$198,583.26
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%)$5,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,931.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$437.00
Initial HOA (3 months)$489.00
Prepaid interest, first (30 days)$920.92
Fees + prepaids$14,946.74
Your down payment is the seller’s equity. You take over the $386,363 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $198,583.26 is due at closing. Uses and sources reconcile at $584,946.74 each. Not a Closing Disclosure.