Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$149,008Cash toward the purchase price.
Closing costs + prepaids$12,644Not just lender fees.
Before credits & paid funds$161,652The complete starting cash picture.
Estimated remaining funds due at closing
$161,652No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,007.83
Your down payment$149,007.83
Closing costs + prepaids$12,643.94
Total buyer cash needed$161,651.77
Remaining funds due$161,651.77
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,354.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$247.25
Prepaid interest, first (30 days)$1,623.73
Fees + prepaids$12,643.94
Your down payment is the seller’s equity. You take over the $270,992 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $161,651.77 is due at closing. Uses and sources reconcile at $432,643.94 each. Not a Closing Disclosure.