Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$183,425Cash toward the purchase price.
Closing costs + prepaids$15,295Not just lender fees.
Before credits & paid funds$198,720The complete starting cash picture.
Estimated remaining funds due at closing
$198,720No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,425.15
Your down payment$183,425.15
Closing costs + prepaids$15,294.68
Total buyer cash needed$198,719.83
Remaining funds due$198,719.83
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%)$5,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,007.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$844.75
Initial HOA (3 months)$78.75
Prepaid interest, first (31 days)$1,046.80
Fees + prepaids$15,294.68
Your down payment is the seller’s equity. You take over the $401,475 balance, so the rest of the $584,900 price is paid at closing. A second mortgage can cover part of it. $198,719.83 is due at closing. Uses and sources reconcile at $600,194.68 each. Not a Closing Disclosure.