Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$177,609Cash toward the purchase price.
Closing costs + prepaids$14,314Not just lender fees.
Before credits & paid funds$191,922The complete starting cash picture.
Estimated remaining funds due at closing
$191,922No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,608.52
Your down payment$177,608.52
Closing costs + prepaids$14,313.64
Total buyer cash needed$191,922.16
Remaining funds due$191,922.16
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%)$5,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,061.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$476.50
Initial HOA (3 months)$336.00
Prepaid interest, first (1 days)$71.18
Fees + prepaids$14,313.64
Your down payment is the seller’s equity. You take over the $412,391 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $191,922.16 is due at closing. Uses and sources reconcile at $604,313.64 each. Not a Closing Disclosure.