Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$164,702Cash toward the purchase price.
Closing costs + prepaids$12,144Not just lender fees.
Before credits & paid funds$176,846The complete starting cash picture.
Estimated remaining funds due at closing
$176,846No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,701.80
Your down payment$164,701.80
Closing costs + prepaids$12,143.90
Total buyer cash needed$176,845.70
Remaining funds due$176,845.70
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%)$4,129.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,241.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$628.75
Initial HOA (3 months)$369.99
Prepaid interest, first (27 days)$556.42
Fees + prepaids$12,143.90
Your down payment is the seller’s equity. You take over the $248,248 balance, so the rest of the $412,950 price is paid at closing. A second mortgage can cover part of it. $176,845.70 is due at closing. Uses and sources reconcile at $425,093.90 each. Not a Closing Disclosure.