Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$176,915Cash toward the purchase price.
Closing costs + prepaids$12,764Not just lender fees.
Before credits & paid funds$189,678The complete starting cash picture.
Estimated remaining funds due at closing
$189,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,914.75
Your down payment$176,914.75
Closing costs + prepaids$12,763.68
Total buyer cash needed$189,678.43
Remaining funds due$189,678.43
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%)$5,049.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,640.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$434.75
Initial HOA (3 months)$144.99
Prepaid interest, first (1 days)$25.53
Fees + prepaids$12,763.68
Your down payment is the seller’s equity. You take over the $328,084 balance, so the rest of the $504,999 price is paid at closing. A second mortgage can cover part of it. $189,678.43 is due at closing. Uses and sources reconcile at $517,762.68 each. Not a Closing Disclosure.