Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$168,233Cash toward the purchase price.
Closing costs + prepaids$15,740Not just lender fees.
Before credits & paid funds$183,972The complete starting cash picture.
Estimated remaining funds due at closing
$183,972No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,232.62
Your down payment$168,232.62
Closing costs + prepaids$15,739.66
Total buyer cash needed$183,972.28
Remaining funds due$183,972.28
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,033.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,102.25
Initial HOA (3 months)$75.00
Prepaid interest, first (30 days)$1,310.57
Fees + prepaids$15,739.66
Your down payment is the seller’s equity. You take over the $406,767 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $183,972.28 is due at closing. Uses and sources reconcile at $590,739.66 each. Not a Closing Disclosure.