Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$171,863Cash toward the purchase price.
Closing costs + prepaids$15,821Not just lender fees.
Before credits & paid funds$187,684The complete starting cash picture.
Estimated remaining funds due at closing
$187,684No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,863.16
Your down payment$171,863.16
Closing costs + prepaids$15,820.86
Total buyer cash needed$187,684.03
Remaining funds due$187,684.03
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%)$6,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,415.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$786.00
Initial HOA (3 months)$270.00
Prepaid interest, first (9 days)$331.18
Fees + prepaids$15,820.86
Your down payment is the seller’s equity. You take over the $483,137 balance, so the rest of the $655,000 price is paid at closing. A second mortgage can cover part of it. $187,684.03 is due at closing. Uses and sources reconcile at $670,820.86 each. Not a Closing Disclosure.