Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$166,301Cash toward the purchase price.
Closing costs + prepaids$12,737Not just lender fees.
Before credits & paid funds$179,038The complete starting cash picture.
Estimated remaining funds due at closing
$179,038No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,301.10
Your down payment$166,301.10
Closing costs + prepaids$12,737.21
Total buyer cash needed$179,038.31
Remaining funds due$179,038.31
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%)$4,299.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,318.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,185.00
Initial HOA (3 months)$285.00
Prepaid interest, first (22 days)$430.73
Fees + prepaids$12,737.21
Your down payment is the seller’s equity. You take over the $263,698 balance, so the rest of the $429,999 price is paid at closing. A second mortgage can cover part of it. $179,038.31 is due at closing. Uses and sources reconcile at $442,736.21 each. Not a Closing Disclosure.