Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$169,957Cash toward the purchase price.
Closing costs + prepaids$13,438Not just lender fees.
Before credits & paid funds$183,395The complete starting cash picture.
Estimated remaining funds due at closing
$183,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,957.09
Your down payment$169,957.09
Closing costs + prepaids$13,438.17
Total buyer cash needed$183,395.27
Remaining funds due$183,395.27
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,249.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,049.75
Initial HOA (3 months)$984.00
Prepaid interest, first (27 days)$737.71
Fees + prepaids$13,438.17
Your down payment is the seller’s equity. You take over the $249,943 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $183,395.27 is due at closing. Uses and sources reconcile at $433,338.17 each. Not a Closing Disclosure.