Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$173,447Cash toward the purchase price.
Closing costs + prepaids$13,325Not just lender fees.
Before credits & paid funds$186,772The complete starting cash picture.
Estimated remaining funds due at closing
$186,772No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,446.86
Your down payment$173,446.86
Closing costs + prepaids$13,325.19
Total buyer cash needed$186,772.05
Remaining funds due$186,772.05
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%)$4,674.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,469.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,047.00
Prepaid interest, first (25 days)$666.43
Fees + prepaids$13,325.19
Your down payment is the seller’s equity. You take over the $293,953 balance, so the rest of the $467,400 price is paid at closing. A second mortgage can cover part of it. $186,772.05 is due at closing. Uses and sources reconcile at $480,725.19 each. Not a Closing Disclosure.