Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$172,894Cash toward the purchase price.
Closing costs + prepaids$10,669Not just lender fees.
Before credits & paid funds$183,563The complete starting cash picture.
Estimated remaining funds due at closing
$183,563No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,893.85
Your down payment$172,893.85
Closing costs + prepaids$10,669.01
Total buyer cash needed$183,562.86
Remaining funds due$183,562.86
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%)$3,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$860.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$367.25
Initial HOA (3 months)$186.00
Prepaid interest, first (31 days)$588.73
Fees + prepaids$10,669.01
Your down payment is the seller’s equity. You take over the $172,006 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $183,562.86 is due at closing. Uses and sources reconcile at $355,569.01 each. Not a Closing Disclosure.