Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$149,616Cash toward the purchase price.
Closing costs + prepaids$12,473Not just lender fees.
Before credits & paid funds$162,089The complete starting cash picture.
Estimated remaining funds due at closing
$162,089No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,615.61
Your down payment$149,615.61
Closing costs + prepaids$12,473.31
Total buyer cash needed$162,088.93
Remaining funds due$162,088.93
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%)$4,399.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,451.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$403.75
Initial HOA (3 months)$255.00
Prepaid interest, first (31 days)$744.79
Fees + prepaids$12,473.31
Your down payment is the seller’s equity. You take over the $290,374 balance, so the rest of the $439,990 price is paid at closing. A second mortgage can cover part of it. $162,088.93 is due at closing. Uses and sources reconcile at $452,463.31 each. Not a Closing Disclosure.