Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$143,165Cash toward the purchase price.
Closing costs + prepaids$12,087Not just lender fees.
Before credits & paid funds$155,252The complete starting cash picture.
Estimated remaining funds due at closing
$155,252No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,164.88
Your down payment$143,164.88
Closing costs + prepaids$12,087.27
Total buyer cash needed$155,252.15
Remaining funds due$155,252.15
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%)$4,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,379.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$718.50
Prepaid interest, first (26 days)$581.60
Fees + prepaids$12,087.27
Your down payment is the seller’s equity. You take over the $275,835 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $155,252.15 is due at closing. Uses and sources reconcile at $431,087.27 each. Not a Closing Disclosure.