Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$162,922Cash toward the purchase price.
Closing costs + prepaids$12,552Not just lender fees.
Before credits & paid funds$175,474The complete starting cash picture.
Estimated remaining funds due at closing
$175,474No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,922.05
Your down payment$162,922.05
Closing costs + prepaids$12,552.24
Total buyer cash needed$175,474.29
Remaining funds due$175,474.29
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%)$4,189.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,279.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$928.50
Initial HOA (3 months)$450.00
Prepaid interest, first (26 days)$486.85
Fees + prepaids$12,552.24
Your down payment is the seller’s equity. You take over the $255,978 balance, so the rest of the $418,900 price is paid at closing. A second mortgage can cover part of it. $175,474.29 is due at closing. Uses and sources reconcile at $431,452.24 each. Not a Closing Disclosure.