Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$171,747Cash toward the purchase price.
Closing costs + prepaids$11,501Not just lender fees.
Before credits & paid funds$183,247The complete starting cash picture.
Estimated remaining funds due at closing
$183,247No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,746.57
Your down payment$171,746.57
Closing costs + prepaids$11,500.87
Total buyer cash needed$183,247.45
Remaining funds due$183,247.45
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%)$1,216.27
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)$234.00
Prepaid interest, first (10 days)$184.61
Fees + prepaids$11,500.87
Your down payment is the seller’s equity. You take over the $243,253 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $183,247.45 is due at closing. Uses and sources reconcile at $426,500.87 each. Not a Closing Disclosure.