Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$173,751Cash toward the purchase price.
Closing costs + prepaids$13,013Not just lender fees.
Before credits & paid funds$186,764The complete starting cash picture.
Estimated remaining funds due at closing
$186,764No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,751.10
Your down payment$173,751.10
Closing costs + prepaids$13,012.85
Total buyer cash needed$186,763.95
Remaining funds due$186,763.95
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,506.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$643.00
Initial HOA (3 months)$87.51
Prepaid interest, first (23 days)$558.09
Fees + prepaids$13,012.85
Your down payment is the seller’s equity. You take over the $301,249 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $186,763.95 is due at closing. Uses and sources reconcile at $488,012.85 each. Not a Closing Disclosure.