Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$178,388Cash toward the purchase price.
Closing costs + prepaids$13,564Not just lender fees.
Before credits & paid funds$191,952The complete starting cash picture.
Estimated remaining funds due at closing
$191,952No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,387.74
Your down payment$178,387.74
Closing costs + prepaids$13,563.89
Total buyer cash needed$191,951.63
Remaining funds due$191,951.63
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%)$1,457.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$757.25
Initial HOA (3 months)$393.00
Prepaid interest, first (26 days)$789.08
Fees + prepaids$13,563.89
Your down payment is the seller’s equity. You take over the $291,512 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $191,951.63 is due at closing. Uses and sources reconcile at $483,463.89 each. Not a Closing Disclosure.