Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$171,607Cash toward the purchase price.
Closing costs + prepaids$13,056Not just lender fees.
Before credits & paid funds$184,663The complete starting cash picture.
Estimated remaining funds due at closing
$184,663No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,607.05
Your down payment$171,607.05
Closing costs + prepaids$13,055.52
Total buyer cash needed$184,662.57
Remaining funds due$184,662.57
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,216.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$993.25
Initial HOA (3 months)$225.00
Prepaid interest, first (30 days)$1,252.31
Fees + prepaids$13,055.52
Your down payment is the seller’s equity. You take over the $243,393 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $184,662.57 is due at closing. Uses and sources reconcile at $428,055.52 each. Not a Closing Disclosure.