Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$177,071Cash toward the purchase price.
Closing costs + prepaids$14,059Not just lender fees.
Before credits & paid funds$191,129The complete starting cash picture.
Estimated remaining funds due at closing
$191,129No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,070.73
Your down payment$177,070.73
Closing costs + prepaids$14,058.70
Total buyer cash needed$191,129.43
Remaining funds due$191,129.43
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%)$5,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,659.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$550.75
Initial HOA (3 months)$390.00
Prepaid interest, first (30 days)$900.30
Fees + prepaids$14,058.70
Your down payment is the seller’s equity. You take over the $331,929 balance, so the rest of the $509,000 price is paid at closing. A second mortgage can cover part of it. $191,129.43 is due at closing. Uses and sources reconcile at $523,058.70 each. Not a Closing Disclosure.