Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$166,593Cash toward the purchase price.
Closing costs + prepaids$13,965Not just lender fees.
Before credits & paid funds$180,558The complete starting cash picture.
Estimated remaining funds due at closing
$180,558No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,592.60
Your down payment$166,592.60
Closing costs + prepaids$13,964.95
Total buyer cash needed$180,557.56
Remaining funds due$180,557.56
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%)$4,180.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,257.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,045.00
Initial HOA (3 months)$1,707.00
Prepaid interest, first (27 days)$557.92
Fees + prepaids$13,964.95
Your down payment is the seller’s equity. You take over the $251,407 balance, so the rest of the $418,000 price is paid at closing. A second mortgage can cover part of it. $180,557.56 is due at closing. Uses and sources reconcile at $431,964.95 each. Not a Closing Disclosure.