Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$177,635Cash toward the purchase price.
Closing costs + prepaids$13,657Not just lender fees.
Before credits & paid funds$191,292The complete starting cash picture.
Estimated remaining funds due at closing
$191,292No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,634.92
Your down payment$177,634.92
Closing costs + prepaids$13,657.21
Total buyer cash needed$191,292.13
Remaining funds due$191,292.13
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%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,461.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$924.25
Initial HOA (3 months)$408.00
Prepaid interest, first (30 days)$696.63
Fees + prepaids$13,657.21
Your down payment is the seller’s equity. You take over the $292,265 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $191,292.13 is due at closing. Uses and sources reconcile at $483,557.21 each. Not a Closing Disclosure.