Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$176,949Cash toward the purchase price.
Closing costs + prepaids$12,264Not just lender fees.
Before credits & paid funds$189,213The complete starting cash picture.
Estimated remaining funds due at closing
$189,213No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,948.88
Your down payment$176,948.88
Closing costs + prepaids$12,264.05
Total buyer cash needed$189,212.92
Remaining funds due$189,212.92
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%)$4,415.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,322.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$827.75
Prepaid interest, first (13 days)$480.54
Fees + prepaids$12,264.05
Your down payment is the seller’s equity. You take over the $264,551 balance, so the rest of the $441,500 price is paid at closing. A second mortgage can cover part of it. $189,212.92 is due at closing. Uses and sources reconcile at $453,764.05 each. Not a Closing Disclosure.