Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$170,973Cash toward the purchase price.
Closing costs + prepaids$14,204Not just lender fees.
Before credits & paid funds$185,177The complete starting cash picture.
Estimated remaining funds due at closing
$185,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,972.57
Your down payment$170,972.57
Closing costs + prepaids$14,203.97
Total buyer cash needed$185,176.55
Remaining funds due$185,176.55
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%)$5,684.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,987.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$682.00
Prepaid interest, first (12 days)$382.84
Fees + prepaids$14,203.97
Your down payment is the seller’s equity. You take over the $397,427 balance, so the rest of the $568,400 price is paid at closing. A second mortgage can cover part of it. $185,176.55 is due at closing. Uses and sources reconcile at $582,603.97 each. Not a Closing Disclosure.