Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$174,409Cash toward the purchase price.
Closing costs + prepaids$12,447Not just lender fees.
Before credits & paid funds$186,855The complete starting cash picture.
Estimated remaining funds due at closing
$186,855No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,408.68
Your down payment$174,408.68
Closing costs + prepaids$12,446.65
Total buyer cash needed$186,855.33
Remaining funds due$186,855.33
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%)$4,249.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,252.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,062.50
Prepaid interest, first (28 days)$663.21
Fees + prepaids$12,446.65
Your down payment is the seller’s equity. You take over the $250,590 balance, so the rest of the $424,999 price is paid at closing. A second mortgage can cover part of it. $186,855.33 is due at closing. Uses and sources reconcile at $437,445.65 each. Not a Closing Disclosure.