Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$182,466Cash toward the purchase price.
Closing costs + prepaids$8,153Not just lender fees.
Before credits & paid funds$190,619The complete starting cash picture.
Estimated remaining funds due at closing
$190,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,466.43
Your down payment$182,466.43
Closing costs + prepaids$8,152.90
Total buyer cash needed$190,619.34
Remaining funds due$190,619.34
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%)$2,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$262.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$181.00
Prepaid interest, first (23 days)$142.73
Fees + prepaids$8,152.90
Your down payment is the seller’s equity. You take over the $52,434 balance, so the rest of the $234,900 price is paid at closing. A second mortgage can cover part of it. $190,619.34 is due at closing. Uses and sources reconcile at $243,052.90 each. Not a Closing Disclosure.