Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$145,042Cash toward the purchase price.
Closing costs + prepaids$11,929Not just lender fees.
Before credits & paid funds$156,971The complete starting cash picture.
Estimated remaining funds due at closing
$156,971No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,042.41
Your down payment$145,042.41
Closing costs + prepaids$11,928.94
Total buyer cash needed$156,971.34
Remaining funds due$156,971.34
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,349.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$519.75
Initial HOA (3 months)$26.49
Prepaid interest, first (31 days)$664.91
Fees + prepaids$11,928.94
Your down payment is the seller’s equity. You take over the $269,958 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $156,971.34 is due at closing. Uses and sources reconcile at $426,928.94 each. Not a Closing Disclosure.