Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$181,505Cash toward the purchase price.
Closing costs + prepaids$15,232Not just lender fees.
Before credits & paid funds$196,737The complete starting cash picture.
Estimated remaining funds due at closing
$196,737No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,504.73
Your down payment$181,504.73
Closing costs + prepaids$15,231.85
Total buyer cash needed$196,736.58
Remaining funds due$196,736.58
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%)$5,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,942.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$369.00
Initial HOA (3 months)$645.00
Prepaid interest, first (18 days)$1,107.37
Fees + prepaids$15,231.85
Your down payment is the seller’s equity. You take over the $388,495 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $196,736.58 is due at closing. Uses and sources reconcile at $585,231.85 each. Not a Closing Disclosure.