Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$171,706Cash toward the purchase price.
Closing costs + prepaids$10,862Not just lender fees.
Before credits & paid funds$182,568The complete starting cash picture.
Estimated remaining funds due at closing
$182,568No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,706.24
Your down payment$171,706.24
Closing costs + prepaids$10,862.25
Total buyer cash needed$182,568.49
Remaining funds due$182,568.49
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%)$3,570.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$926.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$331.50
Initial HOA (3 months)$234.00
Prepaid interest, first (31 days)$582.28
Fees + prepaids$10,862.25
Your down payment is the seller’s equity. You take over the $185,294 balance, so the rest of the $357,000 price is paid at closing. A second mortgage can cover part of it. $182,568.49 is due at closing. Uses and sources reconcile at $367,862.25 each. Not a Closing Disclosure.