Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$186,232Cash toward the purchase price.
Closing costs + prepaids$12,668Not just lender fees.
Before credits & paid funds$198,900The complete starting cash picture.
Estimated remaining funds due at closing
$198,900No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,231.61
Your down payment$186,231.61
Closing costs + prepaids$12,667.89
Total buyer cash needed$198,899.50
Remaining funds due$198,899.50
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%)$4,249.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,193.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$848.50
Initial HOA (3 months)$255.00
Prepaid interest, first (20 days)$902.70
Fees + prepaids$12,667.89
Your down payment is the seller’s equity. You take over the $238,758 balance, so the rest of the $424,990 price is paid at closing. A second mortgage can cover part of it. $198,899.50 is due at closing. Uses and sources reconcile at $437,657.89 each. Not a Closing Disclosure.