Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$164,918Cash toward the purchase price.
Closing costs + prepaids$12,283Not just lender fees.
Before credits & paid funds$177,201The complete starting cash picture.
Estimated remaining funds due at closing
$177,201No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,918.10
Your down payment$164,918.10
Closing costs + prepaids$12,282.92
Total buyer cash needed$177,201.01
Remaining funds due$177,201.01
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%)$1,275.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$613.00
Initial HOA (3 months)$249.00
Prepaid interest, first (30 days)$727.51
Fees + prepaids$12,282.92
Your down payment is the seller’s equity. You take over the $255,082 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $177,201.01 is due at closing. Uses and sources reconcile at $432,282.92 each. Not a Closing Disclosure.