Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$180,109Cash toward the purchase price.
Closing costs + prepaids$12,927Not just lender fees.
Before credits & paid funds$193,036The complete starting cash picture.
Estimated remaining funds due at closing
$193,036No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,108.72
Your down payment$180,108.72
Closing costs + prepaids$12,927.37
Total buyer cash needed$193,036.09
Remaining funds due$193,036.09
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%)$4,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,124.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,012.50
Initial HOA (3 months)$960.00
Prepaid interest, first (28 days)$562.41
Fees + prepaids$12,927.37
Your down payment is the seller’s equity. You take over the $224,891 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $193,036.09 is due at closing. Uses and sources reconcile at $417,927.37 each. Not a Closing Disclosure.