Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$156,758Cash toward the purchase price.
Closing costs + prepaids$16,438Not just lender fees.
Before credits & paid funds$173,195The complete starting cash picture.
Estimated remaining funds due at closing
$173,195No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,757.62
Your down payment$156,757.62
Closing costs + prepaids$16,437.86
Total buyer cash needed$173,195.49
Remaining funds due$173,195.49
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%)$5,770.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,101.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,985.25
Initial HOA (3 months)$53.01
Prepaid interest, first (30 days)$1,060.39
Fees + prepaids$16,437.86
Your down payment is the seller’s equity. You take over the $420,242 balance, so the rest of the $577,000 price is paid at closing. A second mortgage can cover part of it. $173,195.49 is due at closing. Uses and sources reconcile at $593,437.86 each. Not a Closing Disclosure.