Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$183,260Cash toward the purchase price.
Closing costs + prepaids$17,083Not just lender fees.
Before credits & paid funds$200,343The complete starting cash picture.
Estimated remaining funds due at closing
$200,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,260.30
Your down payment$183,260.30
Closing costs + prepaids$17,082.88
Total buyer cash needed$200,343.19
Remaining funds due$200,343.19
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%)$5,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,058.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,727.25
Initial HOA (3 months)$498.00
Prepaid interest, first (18 days)$1,382.43
Fees + prepaids$17,082.88
Your down payment is the seller’s equity. You take over the $411,640 balance, so the rest of the $594,900 price is paid at closing. A second mortgage can cover part of it. $200,343.19 is due at closing. Uses and sources reconcile at $611,982.88 each. Not a Closing Disclosure.