Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$167,909Cash toward the purchase price.
Closing costs + prepaids$12,227Not just lender fees.
Before credits & paid funds$180,136The complete starting cash picture.
Estimated remaining funds due at closing
$180,136No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,908.72
Your down payment$167,908.72
Closing costs + prepaids$12,227.29
Total buyer cash needed$180,136.02
Remaining funds due$180,136.02
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%)$1,360.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$648.00
Prepaid interest, first (31 days)$600.84
Fees + prepaids$12,227.29
Your down payment is the seller’s equity. You take over the $272,091 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $180,136.02 is due at closing. Uses and sources reconcile at $452,227.29 each. Not a Closing Disclosure.