Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$180,161Cash toward the purchase price.
Closing costs + prepaids$14,578Not just lender fees.
Before credits & paid funds$194,738The complete starting cash picture.
Estimated remaining funds due at closing
$194,738No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,160.64
Your down payment$180,160.64
Closing costs + prepaids$14,577.84
Total buyer cash needed$194,738.48
Remaining funds due$194,738.48
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%)$4,430.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,314.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$3,001.25
Prepaid interest, first (27 days)$614.40
Fees + prepaids$14,577.84
Your down payment is the seller’s equity. You take over the $262,839 balance, so the rest of the $443,000 price is paid at closing. A second mortgage can cover part of it. $194,738.48 is due at closing. Uses and sources reconcile at $457,577.84 each. Not a Closing Disclosure.