Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$178,818Cash toward the purchase price.
Closing costs + prepaids$11,468Not just lender fees.
Before credits & paid funds$190,286The complete starting cash picture.
Estimated remaining funds due at closing
$190,286No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,817.73
Your down payment$178,817.73
Closing costs + prepaids$11,468.08
Total buyer cash needed$190,285.81
Remaining funds due$190,285.81
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%)$1,180.91
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)$84.00
Prepaid interest, first (15 days)$316.42
Fees + prepaids$11,468.08
Your down payment is the seller’s equity. You take over the $236,182 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $190,285.81 is due at closing. Uses and sources reconcile at $426,468.08 each. Not a Closing Disclosure.