Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$164,947Cash toward the purchase price.
Closing costs + prepaids$11,303Not just lender fees.
Before credits & paid funds$176,250The complete starting cash picture.
Estimated remaining funds due at closing
$176,250No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,947.16
Your down payment$164,947.16
Closing costs + prepaids$11,302.72
Total buyer cash needed$176,249.88
Remaining funds due$176,249.88
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%)$3,875.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,112.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$63.00
Initial HOA (3 months)$545.01
Prepaid interest, first (27 days)$488.95
Fees + prepaids$11,302.72
Your down payment is the seller’s equity. You take over the $222,553 balance, so the rest of the $387,500 price is paid at closing. A second mortgage can cover part of it. $176,249.88 is due at closing. Uses and sources reconcile at $398,802.72 each. Not a Closing Disclosure.