Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$194,837Cash toward the purchase price.
Closing costs + prepaids$14,553Not just lender fees.
Before credits & paid funds$209,390The complete starting cash picture.
Estimated remaining funds due at closing
$209,390No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,836.81
Your down payment$194,836.81
Closing costs + prepaids$14,552.97
Total buyer cash needed$209,389.78
Remaining funds due$209,389.78
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,950.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$702.00
Initial HOA (3 months)$282.00
Prepaid interest, first (9 days)$300.16
Fees + prepaids$14,552.97
Your down payment is the seller’s equity. You take over the $390,163 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $209,389.78 is due at closing. Uses and sources reconcile at $599,552.97 each. Not a Closing Disclosure.