Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$182,259Cash toward the purchase price.
Closing costs + prepaids$12,467Not just lender fees.
Before credits & paid funds$194,726The complete starting cash picture.
Estimated remaining funds due at closing
$194,726No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,259.07
Your down payment$182,259.07
Closing costs + prepaids$12,467.39
Total buyer cash needed$194,726.47
Remaining funds due$194,726.47
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%)$1,238.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$884.50
Initial HOA (3 months)$216.00
Prepaid interest, first (31 days)$610.19
Fees + prepaids$12,467.39
Your down payment is the seller’s equity. You take over the $247,741 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $194,726.47 is due at closing. Uses and sources reconcile at $442,467.39 each. Not a Closing Disclosure.