Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$175,429Cash toward the purchase price.
Closing costs + prepaids$16,380Not just lender fees.
Before credits & paid funds$191,809The complete starting cash picture.
Estimated remaining funds due at closing
$191,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,429.12
Your down payment$175,429.12
Closing costs + prepaids$16,379.98
Total buyer cash needed$191,809.10
Remaining funds due$191,809.10
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%)$5,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,122.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,469.25
Initial HOA (3 months)$279.99
Prepaid interest, first (30 days)$1,039.91
Fees + prepaids$16,379.98
Your down payment is the seller’s equity. You take over the $424,570 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $191,809.10 is due at closing. Uses and sources reconcile at $616,378.98 each. Not a Closing Disclosure.