Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$192,331Cash toward the purchase price.
Closing costs + prepaids$15,262Not just lender fees.
Before credits & paid funds$207,593The complete starting cash picture.
Estimated remaining funds due at closing
$207,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,331.41
Your down payment$192,331.41
Closing costs + prepaids$15,261.76
Total buyer cash needed$207,593.18
Remaining funds due$207,593.18
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%)$5,549.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,812.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,155.25
Initial HOA (3 months)$423.99
Prepaid interest, first (29 days)$852.68
Fees + prepaids$15,261.76
Your down payment is the seller’s equity. You take over the $362,569 balance, so the rest of the $554,900 price is paid at closing. A second mortgage can cover part of it. $207,593.18 is due at closing. Uses and sources reconcile at $570,161.76 each. Not a Closing Disclosure.