Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$188,740Cash toward the purchase price.
Closing costs + prepaids$14,929Not just lender fees.
Before credits & paid funds$203,669The complete starting cash picture.
Estimated remaining funds due at closing
$203,669No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,740.36
Your down payment$188,740.36
Closing costs + prepaids$14,928.88
Total buyer cash needed$203,669.24
Remaining funds due$203,669.24
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%)$6,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,105.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$732.00
Prepaid interest, first (6 days)$524.08
Fees + prepaids$14,928.88
Your down payment is the seller’s equity. You take over the $421,160 balance, so the rest of the $609,900 price is paid at closing. A second mortgage can cover part of it. $203,669.24 is due at closing. Uses and sources reconcile at $624,828.88 each. Not a Closing Disclosure.