Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$176,949Cash toward the purchase price.
Closing costs + prepaids$12,302Not just lender fees.
Before credits & paid funds$189,251The complete starting cash picture.
Estimated remaining funds due at closing
$189,251No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,948.88
Your down payment$176,948.88
Closing costs + prepaids$12,302.44
Total buyer cash needed$189,251.32
Remaining funds due$189,251.32
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%)$4,415.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,322.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$496.50
Prepaid interest, first (23 days)$850.19
Fees + prepaids$12,302.44
Your down payment is the seller’s equity. You take over the $264,551 balance, so the rest of the $441,500 price is paid at closing. A second mortgage can cover part of it. $189,251.32 is due at closing. Uses and sources reconcile at $453,802.44 each. Not a Closing Disclosure.