Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$177,874Cash toward the purchase price.
Closing costs + prepaids$16,610Not just lender fees.
Before credits & paid funds$194,484The complete starting cash picture.
Estimated remaining funds due at closing
$194,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,873.83
Your down payment$177,873.83
Closing costs + prepaids$16,609.88
Total buyer cash needed$194,483.70
Remaining funds due$194,483.70
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%)$2,010.63
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,659.00
Initial HOA (3 months)$294.00
Prepaid interest, first (30 days)$1,378.25
Fees + prepaids$16,609.88
Your down payment is the seller’s equity. You take over the $402,126 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $194,483.70 is due at closing. Uses and sources reconcile at $596,609.88 each. Not a Closing Disclosure.