Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$182,800Cash toward the purchase price.
Closing costs + prepaids$11,625Not just lender fees.
Before credits & paid funds$194,424The complete starting cash picture.
Estimated remaining funds due at closing
$194,424No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,799.68
Your down payment$182,799.68
Closing costs + prepaids$11,624.73
Total buyer cash needed$194,424.41
Remaining funds due$194,424.41
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%)$4,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,260.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$18.75
Initial HOA (3 months)$132.00
Prepaid interest, first (26 days)$646.48
Fees + prepaids$11,624.73
Your down payment is the seller’s equity. You take over the $252,100 balance, so the rest of the $434,900 price is paid at closing. A second mortgage can cover part of it. $194,424.41 is due at closing. Uses and sources reconcile at $446,524.73 each. Not a Closing Disclosure.