Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$171,892Cash toward the purchase price.
Closing costs + prepaids$10,537Not just lender fees.
Before credits & paid funds$182,429The complete starting cash picture.
Estimated remaining funds due at closing
$182,429No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,892.01
Your down payment$171,892.01
Closing costs + prepaids$10,536.66
Total buyer cash needed$182,428.66
Remaining funds due$182,428.66
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%)$3,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$935.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$232.25
Initial HOA (3 months)$81.00
Prepaid interest, first (23 days)$479.87
Fees + prepaids$10,536.66
Your down payment is the seller’s equity. You take over the $187,108 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $182,428.66 is due at closing. Uses and sources reconcile at $369,536.66 each. Not a Closing Disclosure.