Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$182,255Cash toward the purchase price.
Closing costs + prepaids$14,565Not just lender fees.
Before credits & paid funds$196,820The complete starting cash picture.
Estimated remaining funds due at closing
$196,820No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,254.54
Your down payment$182,254.54
Closing costs + prepaids$14,564.98
Total buyer cash needed$196,819.52
Remaining funds due$196,819.52
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%)$5,399.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,788.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$660.50
Initial HOA (3 months)$393.00
Prepaid interest, first (27 days)$854.76
Fees + prepaids$14,564.98
Your down payment is the seller’s equity. You take over the $357,744 balance, so the rest of the $539,999 price is paid at closing. A second mortgage can cover part of it. $196,819.52 is due at closing. Uses and sources reconcile at $554,563.98 each. Not a Closing Disclosure.