Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$186,853Cash toward the purchase price.
Closing costs + prepaids$16,918Not just lender fees.
Before credits & paid funds$203,771The complete starting cash picture.
Estimated remaining funds due at closing
$203,771No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,853.16
Your down payment$186,853.16
Closing costs + prepaids$16,917.82
Total buyer cash needed$203,770.98
Remaining funds due$203,770.98
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%)$6,699.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,415.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$923.50
Initial HOA (3 months)$270.00
Prepaid interest, first (31 days)$1,140.73
Fees + prepaids$16,917.82
Your down payment is the seller’s equity. You take over the $483,137 balance, so the rest of the $669,990 price is paid at closing. A second mortgage can cover part of it. $203,770.98 is due at closing. Uses and sources reconcile at $686,907.82 each. Not a Closing Disclosure.