Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$175,951Cash toward the purchase price.
Closing costs + prepaids$13,195Not just lender fees.
Before credits & paid funds$189,146The complete starting cash picture.
Estimated remaining funds due at closing
$189,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,950.98
Your down payment$175,950.98
Closing costs + prepaids$13,195.34
Total buyer cash needed$189,146.32
Remaining funds due$189,146.32
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%)$4,198.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,219.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,049.75
Initial HOA (3 months)$960.00
Prepaid interest, first (31 days)$549.03
Fees + prepaids$13,195.34
Your down payment is the seller’s equity. You take over the $243,937 balance, so the rest of the $419,888 price is paid at closing. A second mortgage can cover part of it. $189,146.32 is due at closing. Uses and sources reconcile at $433,083.34 each. Not a Closing Disclosure.