Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$154,872Cash toward the purchase price.
Closing costs + prepaids$11,917Not just lender fees.
Before credits & paid funds$166,788The complete starting cash picture.
Estimated remaining funds due at closing
$166,788No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,871.73
Your down payment$154,871.73
Closing costs + prepaids$11,916.54
Total buyer cash needed$166,788.26
Remaining funds due$166,788.26
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%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,425.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$112.50
Prepaid interest, first (31 days)$760.39
Fees + prepaids$11,916.54
Your down payment is the seller’s equity. You take over the $285,128 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $166,788.26 is due at closing. Uses and sources reconcile at $451,916.54 each. Not a Closing Disclosure.