Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$171,595Cash toward the purchase price.
Closing costs + prepaids$12,935Not just lender fees.
Before credits & paid funds$184,530The complete starting cash picture.
Estimated remaining funds due at closing
$184,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,595.04
Your down payment$171,595.04
Closing costs + prepaids$12,935.25
Total buyer cash needed$184,530.29
Remaining funds due$184,530.29
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%)$4,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,237.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$855.50
Initial HOA (3 months)$540.00
Prepaid interest, first (30 days)$894.72
Fees + prepaids$12,935.25
Your down payment is the seller’s equity. You take over the $247,405 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $184,530.29 is due at closing. Uses and sources reconcile at $431,935.25 each. Not a Closing Disclosure.