Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$175,134Cash toward the purchase price.
Closing costs + prepaids$12,235Not just lender fees.
Before credits & paid funds$187,369The complete starting cash picture.
Estimated remaining funds due at closing
$187,369No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,133.82
Your down payment$175,133.82
Closing costs + prepaids$12,234.89
Total buyer cash needed$187,368.72
Remaining funds due$187,368.72
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%)$4,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,469.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$417.75
Initial HOA (3 months)$143.76
Prepaid interest, first (2 days)$46.05
Fees + prepaids$12,234.89
Your down payment is the seller’s equity. You take over the $293,866 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $187,368.72 is due at closing. Uses and sources reconcile at $481,234.89 each. Not a Closing Disclosure.