Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$160,720Cash toward the purchase price.
Closing costs + prepaids$12,398Not just lender fees.
Before credits & paid funds$173,119The complete starting cash picture.
Estimated remaining funds due at closing
$173,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,720.35
Your down payment$160,720.35
Closing costs + prepaids$12,398.35
Total buyer cash needed$173,118.69
Remaining funds due$173,118.69
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,371.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$651.25
Initial HOA (3 months)$710.01
Prepaid interest, first (2 days)$97.69
Fees + prepaids$12,398.35
Your down payment is the seller’s equity. You take over the $274,280 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $173,118.69 is due at closing. Uses and sources reconcile at $447,398.35 each. Not a Closing Disclosure.