Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$181,384Cash toward the purchase price.
Closing costs + prepaids$12,184Not just lender fees.
Before credits & paid funds$193,567The complete starting cash picture.
Estimated remaining funds due at closing
$193,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,383.78
Your down payment$181,383.78
Closing costs + prepaids$12,183.63
Total buyer cash needed$193,567.41
Remaining funds due$193,567.41
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%)$4,469.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,328.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$558.75
Initial HOA (3 months)$255.00
Prepaid interest, first (17 days)$353.81
Fees + prepaids$12,183.63
Your down payment is the seller’s equity. You take over the $265,615 balance, so the rest of the $446,999 price is paid at closing. A second mortgage can cover part of it. $193,567.41 is due at closing. Uses and sources reconcile at $459,182.63 each. Not a Closing Disclosure.