Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$179,053Cash toward the purchase price.
Closing costs + prepaids$18,647Not just lender fees.
Before credits & paid funds$197,699The complete starting cash picture.
Estimated remaining funds due at closing
$197,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,052.58
Your down payment$179,052.58
Closing costs + prepaids$18,646.78
Total buyer cash needed$197,699.36
Remaining funds due$197,699.36
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%)$5,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,004.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,731.00
Initial HOA (3 months)$501.00
Prepaid interest, first (30 days)$2,142.05
Fees + prepaids$18,646.78
Your down payment is the seller’s equity. You take over the $400,947 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $197,699.36 is due at closing. Uses and sources reconcile at $598,646.78 each. Not a Closing Disclosure.