Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$172,038Cash toward the purchase price.
Closing costs + prepaids$12,798Not just lender fees.
Before credits & paid funds$184,836The complete starting cash picture.
Estimated remaining funds due at closing
$184,836No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,037.97
Your down payment$172,037.97
Closing costs + prepaids$12,798.04
Total buyer cash needed$184,836.01
Remaining funds due$184,836.01
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%)$1,339.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$450.75
Initial HOA (3 months)$53.49
Prepaid interest, first (27 days)$1,335.99
Fees + prepaids$12,798.04
Your down payment is the seller’s equity. You take over the $267,962 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $184,836.01 is due at closing. Uses and sources reconcile at $452,798.04 each. Not a Closing Disclosure.