Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$169,822Cash toward the purchase price.
Closing costs + prepaids$16,071Not just lender fees.
Before credits & paid funds$185,893The complete starting cash picture.
Estimated remaining funds due at closing
$185,893No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,821.58
Your down payment$169,821.58
Closing costs + prepaids$16,071.11
Total buyer cash needed$185,892.69
Remaining funds due$185,892.69
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,125.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,447.50
Prepaid interest, first (31 days)$1,079.72
Fees + prepaids$16,071.11
Your down payment is the seller’s equity. You take over the $425,178 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $185,892.69 is due at closing. Uses and sources reconcile at $611,071.11 each. Not a Closing Disclosure.