Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$160,831Cash toward the purchase price.
Closing costs + prepaids$11,412Not just lender fees.
Before credits & paid funds$172,242The complete starting cash picture.
Estimated remaining funds due at closing
$172,242No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,830.88
Your down payment$160,830.88
Closing costs + prepaids$11,411.51
Total buyer cash needed$172,242.39
Remaining funds due$172,242.39
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%)$3,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,185.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$495.50
Prepaid interest, first (30 days)$532.17
Fees + prepaids$11,411.51
Your down payment is the seller’s equity. You take over the $237,169 balance, so the rest of the $398,000 price is paid at closing. A second mortgage can cover part of it. $172,242.39 is due at closing. Uses and sources reconcile at $409,411.51 each. Not a Closing Disclosure.