Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$179,224Cash toward the purchase price.
Closing costs + prepaids$11,108Not just lender fees.
Before credits & paid funds$190,333The complete starting cash picture.
Estimated remaining funds due at closing
$190,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,224.04
Your down payment$179,224.04
Closing costs + prepaids$11,108.50
Total buyer cash needed$190,332.54
Remaining funds due$190,332.54
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,178.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$226.75
Prepaid interest, first (18 days)$334.87
Fees + prepaids$11,108.50
Your down payment is the seller’s equity. You take over the $235,776 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $190,332.54 is due at closing. Uses and sources reconcile at $426,108.50 each. Not a Closing Disclosure.