Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$175,207Cash toward the purchase price.
Closing costs + prepaids$14,204Not just lender fees.
Before credits & paid funds$189,410The complete starting cash picture.
Estimated remaining funds due at closing
$189,410No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,206.57
Your down payment$175,206.57
Closing costs + prepaids$14,203.53
Total buyer cash needed$189,410.09
Remaining funds due$189,410.09
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%)$5,599.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,923.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$672.00
Initial HOA (3 months)$90.00
Prepaid interest, first (12 days)$450.31
Fees + prepaids$14,203.53
Your down payment is the seller’s equity. You take over the $384,743 balance, so the rest of the $559,950 price is paid at closing. A second mortgage can cover part of it. $189,410.09 is due at closing. Uses and sources reconcile at $574,153.53 each. Not a Closing Disclosure.