Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$163,702Cash toward the purchase price.
Closing costs + prepaids$11,649Not just lender fees.
Before credits & paid funds$175,351The complete starting cash picture.
Estimated remaining funds due at closing
$175,351No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,701.80
Your down payment$163,701.80
Closing costs + prepaids$11,649.06
Total buyer cash needed$175,350.86
Remaining funds due$175,350.86
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%)$4,119.50
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)$494.25
Initial HOA (3 months)$369.99
Prepaid interest, first (10 days)$206.08
Fees + prepaids$11,649.06
Your down payment is the seller’s equity. You take over the $248,248 balance, so the rest of the $411,950 price is paid at closing. A second mortgage can cover part of it. $175,350.86 is due at closing. Uses and sources reconcile at $423,599.06 each. Not a Closing Disclosure.