Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$172,085Cash toward the purchase price.
Closing costs + prepaids$12,673Not just lender fees.
Before credits & paid funds$184,758The complete starting cash picture.
Estimated remaining funds due at closing
$184,758No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,084.67
Your down payment$172,084.67
Closing costs + prepaids$12,673.49
Total buyer cash needed$184,758.15
Remaining funds due$184,758.15
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%)$4,220.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,249.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$821.00
Initial HOA (3 months)$260.01
Prepaid interest, first (28 days)$904.90
Fees + prepaids$12,673.49
Your down payment is the seller’s equity. You take over the $249,915 balance, so the rest of the $422,000 price is paid at closing. A second mortgage can cover part of it. $184,758.15 is due at closing. Uses and sources reconcile at $434,673.49 each. Not a Closing Disclosure.