Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$178,262Cash toward the purchase price.
Closing costs + prepaids$11,168Not just lender fees.
Before credits & paid funds$189,430The complete starting cash picture.
Estimated remaining funds due at closing
$189,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,261.96
Your down payment$178,261.96
Closing costs + prepaids$11,168.49
Total buyer cash needed$189,430.45
Remaining funds due$189,430.45
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%)$3,599.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$908.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$601.25
Initial HOA (3 months)$510.00
Prepaid interest, first (18 days)$330.70
Fees + prepaids$11,168.49
Your down payment is the seller’s equity. You take over the $181,728 balance, so the rest of the $359,990 price is paid at closing. A second mortgage can cover part of it. $189,430.45 is due at closing. Uses and sources reconcile at $371,158.49 each. Not a Closing Disclosure.