Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$167,141Cash toward the purchase price.
Closing costs + prepaids$11,649Not just lender fees.
Before credits & paid funds$178,789The complete starting cash picture.
Estimated remaining funds due at closing
$178,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,140.74
Your down payment$167,140.74
Closing costs + prepaids$11,648.53
Total buyer cash needed$178,789.27
Remaining funds due$178,789.27
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,139.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$542.25
Initial HOA (3 months)$239.01
Prepaid interest, first (26 days)$559.97
Fees + prepaids$11,648.53
Your down payment is the seller’s equity. You take over the $227,859 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $178,789.27 is due at closing. Uses and sources reconcile at $406,648.53 each. Not a Closing Disclosure.