Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$173,835Cash toward the purchase price.
Closing costs + prepaids$11,896Not just lender fees.
Before credits & paid funds$185,731The complete starting cash picture.
Estimated remaining funds due at closing
$185,731No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,834.70
Your down payment$173,834.70
Closing costs + prepaids$11,895.83
Total buyer cash needed$185,730.53
Remaining funds due$185,730.53
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%)$3,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,005.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,601.25
Prepaid interest, first (26 days)$322.26
Fees + prepaids$11,895.83
Your down payment is the seller’s equity. You take over the $201,065 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $185,730.53 is due at closing. Uses and sources reconcile at $386,795.83 each. Not a Closing Disclosure.