Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$186,683Cash toward the purchase price.
Closing costs + prepaids$11,641Not just lender fees.
Before credits & paid funds$198,324The complete starting cash picture.
Estimated remaining funds due at closing
$198,324No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,683.16
Your down payment$186,683.16
Closing costs + prepaids$11,640.91
Total buyer cash needed$198,324.07
Remaining funds due$198,324.07
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%)$4,377.77
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,255.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$525.25
Initial HOA (3 months)$6.24
Prepaid interest, first (9 days)$258.18
Fees + prepaids$11,640.91
Your down payment is the seller’s equity. You take over the $251,094 balance, so the rest of the $437,777 price is paid at closing. A second mortgage can cover part of it. $198,324.07 is due at closing. Uses and sources reconcile at $449,417.91 each. Not a Closing Disclosure.