Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$186,232Cash toward the purchase price.
Closing costs + prepaids$13,164Not just lender fees.
Before credits & paid funds$199,396The complete starting cash picture.
Estimated remaining funds due at closing
$199,396No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,231.61
Your down payment$186,231.61
Closing costs + prepaids$13,164.38
Total buyer cash needed$199,395.99
Remaining funds due$199,395.99
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%)$4,249.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,193.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$848.50
Initial HOA (3 months)$255.00
Prepaid interest, first (31 days)$1,399.19
Fees + prepaids$13,164.38
Your down payment is the seller’s equity. You take over the $238,758 balance, so the rest of the $424,990 price is paid at closing. A second mortgage can cover part of it. $199,395.99 is due at closing. Uses and sources reconcile at $438,154.38 each. Not a Closing Disclosure.