Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$182,781Cash toward the purchase price.
Closing costs + prepaids$10,758Not just lender fees.
Before credits & paid funds$193,539The complete starting cash picture.
Estimated remaining funds due at closing
$193,539No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,781.26
Your down payment$182,781.26
Closing costs + prepaids$10,758.01
Total buyer cash needed$193,539.27
Remaining funds due$193,539.27
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%)$3,549.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$861.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$309.00
Initial HOA (3 months)$210.00
Prepaid interest, first (31 days)$609.93
Fees + prepaids$10,758.01
Your down payment is the seller’s equity. You take over the $172,218 balance, so the rest of the $354,999 price is paid at closing. A second mortgage can cover part of it. $193,539.27 is due at closing. Uses and sources reconcile at $365,757.01 each. Not a Closing Disclosure.