Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$169,010Cash toward the purchase price.
Closing costs + prepaids$12,258Not just lender fees.
Before credits & paid funds$181,268The complete starting cash picture.
Estimated remaining funds due at closing
$181,268No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,009.97
Your down payment$169,009.97
Closing costs + prepaids$12,258.19
Total buyer cash needed$181,268.16
Remaining funds due$181,268.16
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%)$4,120.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,214.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,077.25
Initial HOA (3 months)$195.00
Prepaid interest, first (24 days)$432.99
Fees + prepaids$12,258.19
Your down payment is the seller’s equity. You take over the $242,990 balance, so the rest of the $412,000 price is paid at closing. A second mortgage can cover part of it. $181,268.16 is due at closing. Uses and sources reconcile at $424,258.19 each. Not a Closing Disclosure.