Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$170,219Cash toward the purchase price.
Closing costs + prepaids$12,067Not just lender fees.
Before credits & paid funds$182,287The complete starting cash picture.
Estimated remaining funds due at closing
$182,287No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,219.36
Your down payment$170,219.36
Closing costs + prepaids$12,067.18
Total buyer cash needed$182,286.54
Remaining funds due$182,286.54
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%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,348.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$541.00
Initial HOA (3 months)$75.00
Prepaid interest, first (24 days)$484.27
Fees + prepaids$12,067.18
Your down payment is the seller’s equity. You take over the $269,781 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $182,286.54 is due at closing. Uses and sources reconcile at $452,067.18 each. Not a Closing Disclosure.