Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$186,291Cash toward the purchase price.
Closing costs + prepaids$11,588Not just lender fees.
Before credits & paid funds$197,880The complete starting cash picture.
Estimated remaining funds due at closing
$197,880No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,291.26
Your down payment$186,291.26
Closing costs + prepaids$11,588.30
Total buyer cash needed$197,879.56
Remaining funds due$197,879.56
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%)$4,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,193.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$430.25
Prepaid interest, first (26 days)$498.01
Fees + prepaids$11,588.30
Your down payment is the seller’s equity. You take over the $238,609 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $197,879.56 is due at closing. Uses and sources reconcile at $436,488.30 each. Not a Closing Disclosure.