Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$183,425Cash toward the purchase price.
Closing costs + prepaids$14,510Not just lender fees.
Before credits & paid funds$197,935The complete starting cash picture.
Estimated remaining funds due at closing
$197,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,425.15
Your down payment$183,425.15
Closing costs + prepaids$14,510.34
Total buyer cash needed$197,935.49
Remaining funds due$197,935.49
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%)$5,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,007.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$702.00
Initial HOA (3 months)$78.75
Prepaid interest, first (12 days)$405.21
Fees + prepaids$14,510.34
Your down payment is the seller’s equity. You take over the $401,475 balance, so the rest of the $584,900 price is paid at closing. A second mortgage can cover part of it. $197,935.49 is due at closing. Uses and sources reconcile at $599,410.34 each. Not a Closing Disclosure.