Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$171,958Cash toward the purchase price.
Closing costs + prepaids$11,232Not just lender fees.
Before credits & paid funds$183,190The complete starting cash picture.
Estimated remaining funds due at closing
$183,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,957.97
Your down payment$171,957.97
Closing costs + prepaids$11,232.08
Total buyer cash needed$183,190.05
Remaining funds due$183,190.05
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%)$3,849.28
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,064.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$981.50
Prepaid interest, first (5 days)$118.45
Fees + prepaids$11,232.08
Your down payment is the seller’s equity. You take over the $212,970 balance, so the rest of the $384,928 price is paid at closing. A second mortgage can cover part of it. $183,190.05 is due at closing. Uses and sources reconcile at $396,160.08 each. Not a Closing Disclosure.