Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$162,146Cash toward the purchase price.
Closing costs + prepaids$11,708Not just lender fees.
Before credits & paid funds$173,854The complete starting cash picture.
Estimated remaining funds due at closing
$173,854No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,145.96
Your down payment$162,145.96
Closing costs + prepaids$11,707.74
Total buyer cash needed$173,853.70
Remaining funds due$173,853.70
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%)$3,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,134.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$490.50
Initial HOA (3 months)$390.00
Prepaid interest, first (26 days)$584.97
Fees + prepaids$11,707.74
Your down payment is the seller’s equity. You take over the $226,854 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $173,853.70 is due at closing. Uses and sources reconcile at $400,707.74 each. Not a Closing Disclosure.