Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$177,627Cash toward the purchase price.
Closing costs + prepaids$12,396Not just lender fees.
Before credits & paid funds$190,023The complete starting cash picture.
Estimated remaining funds due at closing
$190,023No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,627.08
Your down payment$177,627.08
Closing costs + prepaids$12,395.99
Total buyer cash needed$190,023.07
Remaining funds due$190,023.07
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%)$4,299.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,261.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$410.75
Initial HOA (3 months)$288.00
Prepaid interest, first (31 days)$917.39
Fees + prepaids$12,395.99
Your down payment is the seller’s equity. You take over the $252,372 balance, so the rest of the $429,999 price is paid at closing. A second mortgage can cover part of it. $190,023.07 is due at closing. Uses and sources reconcile at $442,394.99 each. Not a Closing Disclosure.