Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$162,356Cash toward the purchase price.
Closing costs + prepaids$11,689Not just lender fees.
Before credits & paid funds$174,045The complete starting cash picture.
Estimated remaining funds due at closing
$174,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,356.25
Your down payment$162,356.25
Closing costs + prepaids$11,688.86
Total buyer cash needed$174,045.11
Remaining funds due$174,045.11
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%)$1,263.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$518.75
Initial HOA (3 months)$180.00
Prepaid interest, first (17 days)$358.89
Fees + prepaids$11,688.86
Your down payment is the seller’s equity. You take over the $252,644 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $174,045.11 is due at closing. Uses and sources reconcile at $426,688.86 each. Not a Closing Disclosure.