Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$174,494Cash toward the purchase price.
Closing costs + prepaids$11,216Not just lender fees.
Before credits & paid funds$185,711The complete starting cash picture.
Estimated remaining funds due at closing
$185,711No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,494.14
Your down payment$174,494.14
Closing costs + prepaids$11,216.44
Total buyer cash needed$185,710.58
Remaining funds due$185,710.58
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%)$3,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$922.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$897.50
Initial HOA (3 months)$110.01
Prepaid interest, first (26 days)$478.40
Fees + prepaids$11,216.44
Your down payment is the seller’s equity. You take over the $184,506 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $185,710.58 is due at closing. Uses and sources reconcile at $370,216.44 each. Not a Closing Disclosure.