Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$168,321Cash toward the purchase price.
Closing costs + prepaids$17,871Not just lender fees.
Before credits & paid funds$186,192The complete starting cash picture.
Estimated remaining funds due at closing
$186,192No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,320.89
Your down payment$168,320.89
Closing costs + prepaids$17,870.69
Total buyer cash needed$186,191.58
Remaining funds due$186,191.58
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%)$6,549.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,433.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$620.25
Initial HOA (3 months)$195.00
Prepaid interest, first (31 days)$2,604.06
Fees + prepaids$17,870.69
Your down payment is the seller’s equity. You take over the $486,678 balance, so the rest of the $654,999 price is paid at closing. A second mortgage can cover part of it. $186,191.58 is due at closing. Uses and sources reconcile at $672,869.69 each. Not a Closing Disclosure.