Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$183,869Cash toward the purchase price.
Closing costs + prepaids$12,185Not just lender fees.
Before credits & paid funds$196,054The complete starting cash picture.
Estimated remaining funds due at closing
$196,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,869.12
Your down payment$183,869.12
Closing costs + prepaids$12,185.15
Total buyer cash needed$196,054.27
Remaining funds due$196,054.27
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%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,280.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$626.25
Initial HOA (3 months)$75.00
Prepaid interest, first (30 days)$585.24
Fees + prepaids$12,185.15
Your down payment is the seller’s equity. You take over the $256,131 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $196,054.27 is due at closing. Uses and sources reconcile at $452,185.15 each. Not a Closing Disclosure.