Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$173,752Cash toward the purchase price.
Closing costs + prepaids$11,804Not just lender fees.
Before credits & paid funds$185,556The complete starting cash picture.
Estimated remaining funds due at closing
$185,556No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,752.27
Your down payment$173,752.27
Closing costs + prepaids$11,804.12
Total buyer cash needed$185,556.39
Remaining funds due$185,556.39
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%)$4,288.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,275.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$377.00
Initial HOA (3 months)$116.76
Prepaid interest, first (27 days)$528.37
Fees + prepaids$11,804.12
Your down payment is the seller’s equity. You take over the $255,098 balance, so the rest of the $428,850 price is paid at closing. A second mortgage can cover part of it. $185,556.39 is due at closing. Uses and sources reconcile at $440,654.12 each. Not a Closing Disclosure.