Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$164,046Cash toward the purchase price.
Closing costs + prepaids$11,555Not just lender fees.
Before credits & paid funds$175,601The complete starting cash picture.
Estimated remaining funds due at closing
$175,601No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,045.76
Your down payment$164,045.76
Closing costs + prepaids$11,555.05
Total buyer cash needed$175,600.80
Remaining funds due$175,600.80
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%)$3,835.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,097.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$411.00
Initial HOA (3 months)$330.00
Prepaid interest, first (30 days)$663.77
Fees + prepaids$11,555.05
Your down payment is the seller’s equity. You take over the $219,454 balance, so the rest of the $383,500 price is paid at closing. A second mortgage can cover part of it. $175,600.80 is due at closing. Uses and sources reconcile at $395,055.05 each. Not a Closing Disclosure.