Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$168,451Cash toward the purchase price.
Closing costs + prepaids$11,421Not just lender fees.
Before credits & paid funds$179,872The complete starting cash picture.
Estimated remaining funds due at closing
$179,872No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,451.34
Your down payment$168,451.34
Closing costs + prepaids$11,420.62
Total buyer cash needed$179,871.96
Remaining funds due$179,871.96
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%)$3,745.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,030.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$782.50
Initial HOA (3 months)$252.99
Prepaid interest, first (26 days)$391.89
Fees + prepaids$11,420.62
Your down payment is the seller’s equity. You take over the $206,049 balance, so the rest of the $374,500 price is paid at closing. A second mortgage can cover part of it. $179,871.96 is due at closing. Uses and sources reconcile at $385,920.62 each. Not a Closing Disclosure.