Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$146,386Cash toward the purchase price.
Closing costs + prepaids$11,574Not just lender fees.
Before credits & paid funds$157,959The complete starting cash picture.
Estimated remaining funds due at closing
$157,959No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,385.70
Your down payment$146,385.70
Closing costs + prepaids$11,573.55
Total buyer cash needed$157,959.26
Remaining funds due$157,959.26
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%)$3,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,242.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$330.25
Initial HOA (3 months)$204.75
Prepaid interest, first (31 days)$628.98
Fees + prepaids$11,573.55
Your down payment is the seller’s equity. You take over the $248,514 balance, so the rest of the $394,900 price is paid at closing. A second mortgage can cover part of it. $157,959.26 is due at closing. Uses and sources reconcile at $406,473.55 each. Not a Closing Disclosure.