Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$145,965Cash toward the purchase price.
Closing costs + prepaids$12,323Not just lender fees.
Before credits & paid funds$158,288The complete starting cash picture.
Estimated remaining funds due at closing
$158,288No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,964.86
Your down payment$145,964.86
Closing costs + prepaids$12,322.96
Total buyer cash needed$158,287.82
Remaining funds due$158,287.82
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%)$1,345.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$783.00
Initial HOA (3 months)$171.00
Prepaid interest, first (31 days)$655.78
Fees + prepaids$12,322.96
Your down payment is the seller’s equity. You take over the $269,035 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $158,287.82 is due at closing. Uses and sources reconcile at $427,322.96 each. Not a Closing Disclosure.