Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$155,412Cash toward the purchase price.
Closing costs + prepaids$12,473Not just lender fees.
Before credits & paid funds$167,885The complete starting cash picture.
Estimated remaining funds due at closing
$167,885No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,411.99
Your down payment$155,411.99
Closing costs + prepaids$12,473.14
Total buyer cash needed$167,885.13
Remaining funds due$167,885.13
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%)$4,289.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,367.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$846.00
Initial HOA (3 months)$273.00
Prepaid interest, first (22 days)$478.22
Fees + prepaids$12,473.14
Your down payment is the seller’s equity. You take over the $273,587 balance, so the rest of the $428,999 price is paid at closing. A second mortgage can cover part of it. $167,885.13 is due at closing. Uses and sources reconcile at $441,472.14 each. Not a Closing Disclosure.