Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$165,504Cash toward the purchase price.
Closing costs + prepaids$12,830Not just lender fees.
Before credits & paid funds$178,334The complete starting cash picture.
Estimated remaining funds due at closing
$178,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,503.68
Your down payment$165,503.68
Closing costs + prepaids$12,830.10
Total buyer cash needed$178,333.78
Remaining funds due$178,333.78
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%)$4,230.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,287.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,137.00
Initial HOA (3 months)$390.00
Prepaid interest, first (27 days)$567.62
Fees + prepaids$12,830.10
Your down payment is the seller’s equity. You take over the $257,496 balance, so the rest of the $423,000 price is paid at closing. A second mortgage can cover part of it. $178,333.78 is due at closing. Uses and sources reconcile at $435,830.10 each. Not a Closing Disclosure.