Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$182,299Cash toward the purchase price.
Closing costs + prepaids$11,560Not just lender fees.
Before credits & paid funds$193,859The complete starting cash picture.
Estimated remaining funds due at closing
$193,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,299.25
Your down payment$182,299.25
Closing costs + prepaids$11,559.96
Total buyer cash needed$193,859.21
Remaining funds due$193,859.21
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%)$1,163.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$498.00
Initial HOA (3 months)$264.99
Prepaid interest, first (12 days)$265.47
Fees + prepaids$11,559.96
Your down payment is the seller’s equity. You take over the $232,701 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $193,859.21 is due at closing. Uses and sources reconcile at $426,559.96 each. Not a Closing Disclosure.