Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$152,786Cash toward the purchase price.
Closing costs + prepaids$11,490Not just lender fees.
Before credits & paid funds$164,276The complete starting cash picture.
Estimated remaining funds due at closing
$164,276No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,786.05
Your down payment$152,786.05
Closing costs + prepaids$11,489.76
Total buyer cash needed$164,275.82
Remaining funds due$164,275.82
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%)$4,089.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,281.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$304.75
Prepaid interest, first (30 days)$595.96
Fees + prepaids$11,489.76
Your down payment is the seller’s equity. You take over the $256,213 balance, so the rest of the $408,999 price is paid at closing. A second mortgage can cover part of it. $164,275.82 is due at closing. Uses and sources reconcile at $420,488.76 each. Not a Closing Disclosure.