Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$178,818Cash toward the purchase price.
Closing costs + prepaids$11,681Not just lender fees.
Before credits & paid funds$190,498The complete starting cash picture.
Estimated remaining funds due at closing
$190,498No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,817.73
Your down payment$178,817.73
Closing costs + prepaids$11,680.53
Total buyer cash needed$190,498.26
Remaining funds due$190,498.26
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,180.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$520.25
Initial HOA (3 months)$84.00
Prepaid interest, first (25 days)$527.37
Fees + prepaids$11,680.53
Your down payment is the seller’s equity. You take over the $236,182 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $190,498.26 is due at closing. Uses and sources reconcile at $426,680.53 each. Not a Closing Disclosure.