Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$177,562Cash toward the purchase price.
Closing costs + prepaids$14,275Not just lender fees.
Before credits & paid funds$191,836The complete starting cash picture.
Estimated remaining funds due at closing
$191,836No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,561.85
Your down payment$177,561.85
Closing costs + prepaids$14,274.56
Total buyer cash needed$191,836.40
Remaining funds due$191,836.40
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,612.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$940.25
Initial HOA (3 months)$255.00
Prepaid interest, first (30 days)$999.12
Fees + prepaids$14,274.56
Your down payment is the seller’s equity. You take over the $322,438 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $191,836.40 is due at closing. Uses and sources reconcile at $514,274.56 each. Not a Closing Disclosure.