Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$177,667Cash toward the purchase price.
Closing costs + prepaids$13,160Not just lender fees.
Before credits & paid funds$190,827The complete starting cash picture.
Estimated remaining funds due at closing
$190,827No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,666.94
Your down payment$177,666.94
Closing costs + prepaids$13,160.33
Total buyer cash needed$190,827.27
Remaining funds due$190,827.27
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%)$5,049.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,636.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$606.00
Initial HOA (3 months)$144.99
Prepaid interest, first (10 days)$254.69
Fees + prepaids$13,160.33
Your down payment is the seller’s equity. You take over the $327,332 balance, so the rest of the $504,999 price is paid at closing. A second mortgage can cover part of it. $190,827.27 is due at closing. Uses and sources reconcile at $518,159.33 each. Not a Closing Disclosure.