Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$179,031Cash toward the purchase price.
Closing costs + prepaids$9,348Not just lender fees.
Before credits & paid funds$188,379The complete starting cash picture.
Estimated remaining funds due at closing
$188,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,031.17
Your down payment$179,031.17
Closing costs + prepaids$9,347.93
Total buyer cash needed$188,379.10
Remaining funds due$188,379.10
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%)$2,956.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$583.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$369.50
Initial HOA (3 months)$90.00
Prepaid interest, first (15 days)$130.84
Fees + prepaids$9,347.93
Your down payment is the seller’s equity. You take over the $116,619 balance, so the rest of the $295,650 price is paid at closing. A second mortgage can cover part of it. $188,379.10 is due at closing. Uses and sources reconcile at $304,997.93 each. Not a Closing Disclosure.