Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$180,276Cash toward the purchase price.
Closing costs + prepaids$12,685Not just lender fees.
Before credits & paid funds$192,961The complete starting cash picture.
Estimated remaining funds due at closing
$192,961No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,275.85
Your down payment$180,275.85
Closing costs + prepaids$12,684.72
Total buyer cash needed$192,960.57
Remaining funds due$192,960.57
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%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,293.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,285.50
Prepaid interest, first (27 days)$497.60
Fees + prepaids$12,684.72
Your down payment is the seller’s equity. You take over the $258,724 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $192,960.57 is due at closing. Uses and sources reconcile at $451,684.72 each. Not a Closing Disclosure.