Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$185,174Cash toward the purchase price.
Closing costs + prepaids$11,147Not just lender fees.
Before credits & paid funds$196,321The complete starting cash picture.
Estimated remaining funds due at closing
$196,321No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,173.83
Your down payment$185,173.83
Closing costs + prepaids$11,147.37
Total buyer cash needed$196,321.20
Remaining funds due$196,321.20
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$873.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$666.00
Initial HOA (3 months)$324.00
Prepaid interest, first (25 days)$466.73
Fees + prepaids$11,147.37
Your down payment is the seller’s equity. You take over the $174,726 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $196,321.20 is due at closing. Uses and sources reconcile at $371,047.37 each. Not a Closing Disclosure.