Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$182,951Cash toward the purchase price.
Closing costs + prepaids$9,165Not just lender fees.
Before credits & paid funds$192,117The complete starting cash picture.
Estimated remaining funds due at closing
$192,117No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,951.35
Your down payment$182,951.35
Closing costs + prepaids$9,165.23
Total buyer cash needed$192,116.58
Remaining funds due$192,116.58
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%)$2,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$210.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,367.75
Prepaid interest, first (23 days)$119.23
Fees + prepaids$9,165.23
Your down payment is the seller’s equity. You take over the $42,049 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $192,116.58 is due at closing. Uses and sources reconcile at $234,165.23 each. Not a Closing Disclosure.