Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$177,667Cash toward the purchase price.
Closing costs + prepaids$13,269Not just lender fees.
Before credits & paid funds$190,936The complete starting cash picture.
Estimated remaining funds due at closing
$190,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,666.94
Your down payment$177,666.94
Closing costs + prepaids$13,269.24
Total buyer cash needed$190,936.18
Remaining funds due$190,936.18
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%)$5,049.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,636.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$434.75
Initial HOA (3 months)$144.99
Prepaid interest, first (21 days)$534.85
Fees + prepaids$13,269.24
Your down payment is the seller’s equity. You take over the $327,332 balance, so the rest of the $504,999 price is paid at closing. A second mortgage can cover part of it. $190,936.18 is due at closing. Uses and sources reconcile at $518,268.24 each. Not a Closing Disclosure.