Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$178,529Cash toward the purchase price.
Closing costs + prepaids$10,116Not just lender fees.
Before credits & paid funds$188,645The complete starting cash picture.
Estimated remaining funds due at closing
$188,645No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,529.33
Your down payment$178,529.33
Closing costs + prepaids$10,115.68
Total buyer cash needed$188,645.01
Remaining funds due$188,645.01
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%)$3,399.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$807.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$197.75
Initial HOA (3 months)$99.00
Prepaid interest, first (31 days)$393.59
Fees + prepaids$10,115.68
Your down payment is the seller’s equity. You take over the $161,470 balance, so the rest of the $339,999 price is paid at closing. A second mortgage can cover part of it. $188,645.01 is due at closing. Uses and sources reconcile at $350,114.68 each. Not a Closing Disclosure.