Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$177,756Cash toward the purchase price.
Closing costs + prepaids$7,754Not just lender fees.
Before credits & paid funds$185,509The complete starting cash picture.
Estimated remaining funds due at closing
$185,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,755.74
Your down payment$177,755.74
Closing costs + prepaids$7,753.59
Total buyer cash needed$185,509.33
Remaining funds due$185,509.33
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%)$2,149.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$186.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$111.50
Prepaid interest, first (27 days)$87.88
Fees + prepaids$7,753.59
Your down payment is the seller’s equity. You take over the $37,243 balance, so the rest of the $214,999 price is paid at closing. A second mortgage can cover part of it. $185,509.33 is due at closing. Uses and sources reconcile at $222,752.59 each. Not a Closing Disclosure.