Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$189,651Cash toward the purchase price.
Closing costs + prepaids$14,903Not just lender fees.
Before credits & paid funds$204,554The complete starting cash picture.
Estimated remaining funds due at closing
$204,554No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,651.04
Your down payment$189,651.04
Closing costs + prepaids$14,903.39
Total buyer cash needed$204,554.43
Remaining funds due$204,554.43
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%)$1,926.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$569.25
Initial HOA (3 months)$237.00
Prepaid interest, first (31 days)$952.39
Fees + prepaids$14,903.39
Your down payment is the seller’s equity. You take over the $385,349 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $204,554.43 is due at closing. Uses and sources reconcile at $589,903.39 each. Not a Closing Disclosure.