Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$173,103Cash toward the purchase price.
Closing costs + prepaids$11,913Not just lender fees.
Before credits & paid funds$185,016The complete starting cash picture.
Estimated remaining funds due at closing
$185,016No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,103.06
Your down payment$173,103.06
Closing costs + prepaids$11,913.34
Total buyer cash needed$185,016.40
Remaining funds due$185,016.40
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,284.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$305.75
Prepaid interest, first (31 days)$805.11
Fees + prepaids$11,913.34
Your down payment is the seller’s equity. You take over the $256,897 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $185,016.40 is due at closing. Uses and sources reconcile at $441,913.34 each. Not a Closing Disclosure.