Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$172,010Cash toward the purchase price.
Closing costs + prepaids$12,281Not just lender fees.
Before credits & paid funds$184,291The complete starting cash picture.
Estimated remaining funds due at closing
$184,291No 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$12,281.17
Total buyer cash needed$184,291.28
Remaining funds due$184,291.28
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)$471.50
Initial HOA (3 months)$315.00
Prepaid interest, first (30 days)$611.72
Fees + prepaids$12,281.17
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. $184,291.28 is due at closing. Uses and sources reconcile at $447,281.17 each. Not a Closing Disclosure.