Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$177,951Cash toward the purchase price.
Closing costs + prepaids$12,328Not just lender fees.
Before credits & paid funds$190,279The complete starting cash picture.
Estimated remaining funds due at closing
$190,279No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,951.15
Your down payment$177,951.15
Closing costs + prepaids$12,327.86
Total buyer cash needed$190,279.01
Remaining funds due$190,279.01
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%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,309.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$452.00
Initial HOA (3 months)$275.01
Prepaid interest, first (31 days)$674.11
Fees + prepaids$12,327.86
Your down payment is the seller’s equity. You take over the $261,949 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $190,279.01 is due at closing. Uses and sources reconcile at $452,227.86 each. Not a Closing Disclosure.