Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$174,415Cash toward the purchase price.
Closing costs + prepaids$11,819Not just lender fees.
Before credits & paid funds$186,235The complete starting cash picture.
Estimated remaining funds due at closing
$186,235No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,415.42
Your down payment$174,415.42
Closing costs + prepaids$11,819.10
Total buyer cash needed$186,234.52
Remaining funds due$186,234.52
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%)$4,159.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,207.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$545.00
Initial HOA (3 months)$34.26
Prepaid interest, first (26 days)$653.93
Fees + prepaids$11,819.10
Your down payment is the seller’s equity. You take over the $241,584 balance, so the rest of the $415,999 price is paid at closing. A second mortgage can cover part of it. $186,234.52 is due at closing. Uses and sources reconcile at $427,818.10 each. Not a Closing Disclosure.