Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$164,623Cash toward the purchase price.
Closing costs + prepaids$13,801Not just lender fees.
Before credits & paid funds$178,425The complete starting cash picture.
Estimated remaining funds due at closing
$178,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,623.33
Your down payment$164,623.33
Closing costs + prepaids$13,801.18
Total buyer cash needed$178,424.51
Remaining funds due$178,424.51
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%)$5,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,976.88
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$484.00
Initial HOA (3 months)$120.00
Prepaid interest, first (2 days)$152.30
Fees + prepaids$13,801.18
Your down payment is the seller’s equity. You take over the $395,377 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $178,424.51 is due at closing. Uses and sources reconcile at $573,801.18 each. Not a Closing Disclosure.