Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$179,712Cash toward the purchase price.
Closing costs + prepaids$14,295Not just lender fees.
Before credits & paid funds$194,007The complete starting cash picture.
Estimated remaining funds due at closing
$194,007No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,712.09
Your down payment$179,712.09
Closing costs + prepaids$14,294.79
Total buyer cash needed$194,006.88
Remaining funds due$194,006.88
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%)$4,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,226.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,062.50
Initial HOA (3 months)$2,004.00
Prepaid interest, first (24 days)$533.85
Fees + prepaids$14,294.79
Your down payment is the seller’s equity. You take over the $245,288 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $194,006.88 is due at closing. Uses and sources reconcile at $439,294.79 each. Not a Closing Disclosure.