Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$181,281Cash toward the purchase price.
Closing costs + prepaids$8,342Not just lender fees.
Before credits & paid funds$189,623The complete starting cash picture.
Estimated remaining funds due at closing
$189,623No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,281.36
Your down payment$181,281.36
Closing costs + prepaids$8,341.95
Total buyer cash needed$189,623.31
Remaining funds due$189,623.31
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%)$2,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$243.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$349.75
Initial HOA (3 months)$43.74
Prepaid interest, first (25 days)$186.87
Fees + prepaids$8,341.95
Your down payment is the seller’s equity. You take over the $48,719 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $189,623.31 is due at closing. Uses and sources reconcile at $238,341.95 each. Not a Closing Disclosure.