Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$175,861Cash toward the purchase price.
Closing costs + prepaids$9,352Not just lender fees.
Before credits & paid funds$185,212The complete starting cash picture.
Estimated remaining funds due at closing
$185,212No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,860.66
Your down payment$175,860.66
Closing costs + prepaids$9,351.57
Total buyer cash needed$185,212.23
Remaining funds due$185,212.23
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%)$2,459.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$350.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,161.75
Prepaid interest, first (25 days)$162.63
Fees + prepaids$9,351.57
Your down payment is the seller’s equity. You take over the $70,039 balance, so the rest of the $245,900 price is paid at closing. A second mortgage can cover part of it. $185,212.23 is due at closing. Uses and sources reconcile at $255,251.57 each. Not a Closing Disclosure.