Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$151,300Cash toward the purchase price.
Closing costs + prepaids$12,483Not just lender fees.
Before credits & paid funds$163,782The complete starting cash picture.
Estimated remaining funds due at closing
$163,782No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,299.50
Your down payment$151,299.50
Closing costs + prepaids$12,482.73
Total buyer cash needed$163,782.23
Remaining funds due$163,782.23
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%)$4,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,318.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$945.00
Initial HOA (3 months)$40.26
Prepaid interest, first (30 days)$812.47
Fees + prepaids$12,482.73
Your down payment is the seller’s equity. You take over the $263,600 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $163,782.23 is due at closing. Uses and sources reconcile at $427,382.73 each. Not a Closing Disclosure.