Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$179,171Cash toward the purchase price.
Closing costs + prepaids$12,744Not just lender fees.
Before credits & paid funds$191,916The complete starting cash picture.
Estimated remaining funds due at closing
$191,916No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,171.41
Your down payment$179,171.41
Closing costs + prepaids$12,744.48
Total buyer cash needed$191,915.89
Remaining funds due$191,915.89
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%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,304.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$528.00
Initial HOA (3 months)$1,170.00
Prepaid interest, first (6 days)$124.34
Fees + prepaids$12,744.48
Your down payment is the seller’s equity. You take over the $260,829 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $191,915.89 is due at closing. Uses and sources reconcile at $452,744.48 each. Not a Closing Disclosure.