Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$183,507Cash toward the purchase price.
Closing costs + prepaids$7,977Not just lender fees.
Before credits & paid funds$191,484The complete starting cash picture.
Estimated remaining funds due at closing
$191,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,506.86
Your down payment$183,506.86
Closing costs + prepaids$7,977.22
Total buyer cash needed$191,484.08
Remaining funds due$191,484.08
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%)$2,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$207.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$146.75
Prepaid interest, first (27 days)$155.00
Fees + prepaids$7,977.22
Your down payment is the seller’s equity. You take over the $41,493 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $191,484.08 is due at closing. Uses and sources reconcile at $232,977.22 each. Not a Closing Disclosure.