Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$159,671Cash toward the purchase price.
Closing costs + prepaids$16,725Not just lender fees.
Before credits & paid funds$176,396The complete starting cash picture.
Estimated remaining funds due at closing
$176,396No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,670.87
Your down payment$159,670.87
Closing costs + prepaids$16,725.39
Total buyer cash needed$176,396.26
Remaining funds due$176,396.26
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%)$5,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,996.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$871.75
Initial HOA (3 months)$1,110.00
Prepaid interest, first (31 days)$1,689.00
Fees + prepaids$16,725.39
Your down payment is the seller’s equity. You take over the $399,329 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $176,396.26 is due at closing. Uses and sources reconcile at $575,725.39 each. Not a Closing Disclosure.