Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$146,662Cash toward the purchase price.
Closing costs + prepaids$11,989Not just lender fees.
Before credits & paid funds$158,651The complete starting cash picture.
Estimated remaining funds due at closing
$158,651No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,661.71
Your down payment$146,661.71
Closing costs + prepaids$11,989.21
Total buyer cash needed$158,650.93
Remaining funds due$158,650.93
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%)$4,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,436.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$333.25
Prepaid interest, first (28 days)$661.27
Fees + prepaids$11,989.21
Your down payment is the seller’s equity. You take over the $287,338 balance, so the rest of the $434,000 price is paid at closing. A second mortgage can cover part of it. $158,650.93 is due at closing. Uses and sources reconcile at $445,989.21 each. Not a Closing Disclosure.