Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$172,147Cash toward the purchase price.
Closing costs + prepaids$12,413Not just lender fees.
Before credits & paid funds$184,560The complete starting cash picture.
Estimated remaining funds due at closing
$184,560No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,146.87
Your down payment$172,146.87
Closing costs + prepaids$12,412.67
Total buyer cash needed$184,559.54
Remaining funds due$184,559.54
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%)$4,059.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,169.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,216.75
Initial HOA (3 months)$27.51
Prepaid interest, first (28 days)$721.16
Fees + prepaids$12,412.67
Your down payment is the seller’s equity. You take over the $233,852 balance, so the rest of the $405,999 price is paid at closing. A second mortgage can cover part of it. $184,559.54 is due at closing. Uses and sources reconcile at $418,411.67 each. Not a Closing Disclosure.