Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$163,826Cash toward the purchase price.
Closing costs + prepaids$11,812Not just lender fees.
Before credits & paid funds$175,638The complete starting cash picture.
Estimated remaining funds due at closing
$175,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,826.29
Your down payment$163,826.29
Closing costs + prepaids$11,812.08
Total buyer cash needed$175,638.37
Remaining funds due$175,638.37
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%)$4,091.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,226.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$511.50
Initial HOA (3 months)$258.00
Prepaid interest, first (17 days)$507.21
Fees + prepaids$11,812.08
Your down payment is the seller’s equity. You take over the $245,274 balance, so the rest of the $409,100 price is paid at closing. A second mortgage can cover part of it. $175,638.37 is due at closing. Uses and sources reconcile at $420,912.08 each. Not a Closing Disclosure.