Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$185,963Cash toward the purchase price.
Closing costs + prepaids$17,464Not just lender fees.
Before credits & paid funds$203,427The complete starting cash picture.
Estimated remaining funds due at closing
$203,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,962.65
Your down payment$185,962.65
Closing costs + prepaids$17,464.22
Total buyer cash needed$203,426.86
Remaining funds due$203,426.86
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%)$6,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,369.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$865.50
Initial HOA (3 months)$31.26
Prepaid interest, first (30 days)$2,130.77
Fees + prepaids$17,464.22
Your down payment is the seller’s equity. You take over the $473,937 balance, so the rest of the $659,900 price is paid at closing. A second mortgage can cover part of it. $203,426.86 is due at closing. Uses and sources reconcile at $677,364.22 each. Not a Closing Disclosure.