Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$161,410Cash toward the purchase price.
Closing costs + prepaids$15,015Not just lender fees.
Before credits & paid funds$176,425The complete starting cash picture.
Estimated remaining funds due at closing
$176,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,410.32
Your down payment$161,410.32
Closing costs + prepaids$15,014.92
Total buyer cash needed$176,425.24
Remaining funds due$176,425.24
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%)$5,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,992.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$791.25
Initial HOA (3 months)$225.00
Prepaid interest, first (31 days)$937.72
Fees + prepaids$15,014.92
Your down payment is the seller’s equity. You take over the $398,590 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $176,425.24 is due at closing. Uses and sources reconcile at $575,014.92 each. Not a Closing Disclosure.