Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$172,010Cash toward the purchase price.
Closing costs + prepaids$12,067Not just lender fees.
Before credits & paid funds$184,077The complete starting cash picture.
Estimated remaining funds due at closing
$184,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,010.11
Your down payment$172,010.11
Closing costs + prepaids$12,066.59
Total buyer cash needed$184,076.70
Remaining funds due$184,076.70
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,314.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$522.00
Initial HOA (3 months)$315.00
Prepaid interest, first (17 days)$346.64
Fees + prepaids$12,066.59
Your down payment is the seller’s equity. You take over the $262,990 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $184,076.70 is due at closing. Uses and sources reconcile at $447,066.59 each. Not a Closing Disclosure.