Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$177,756Cash toward the purchase price.
Closing costs + prepaids$7,878Not just lender fees.
Before credits & paid funds$185,634The complete starting cash picture.
Estimated remaining funds due at closing
$185,634No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,755.74
Your down payment$177,755.74
Closing costs + prepaids$7,878.29
Total buyer cash needed$185,634.03
Remaining funds due$185,634.03
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%)$2,149.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$186.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$268.75
Prepaid interest, first (17 days)$55.33
Fees + prepaids$7,878.29
Your down payment is the seller’s equity. You take over the $37,243 balance, so the rest of the $214,999 price is paid at closing. A second mortgage can cover part of it. $185,634.03 is due at closing. Uses and sources reconcile at $222,877.29 each. Not a Closing Disclosure.