Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$177,635Cash toward the purchase price.
Closing costs + prepaids$13,471Not just lender fees.
Before credits & paid funds$191,106The complete starting cash picture.
Estimated remaining funds due at closing
$191,106No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,634.92
Your down payment$177,634.92
Closing costs + prepaids$13,471.44
Total buyer cash needed$191,106.36
Remaining funds due$191,106.36
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%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,461.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$924.25
Initial HOA (3 months)$408.00
Prepaid interest, first (22 days)$510.86
Fees + prepaids$13,471.44
Your down payment is the seller’s equity. You take over the $292,265 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $191,106.36 is due at closing. Uses and sources reconcile at $483,371.44 each. Not a Closing Disclosure.