Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$160,547Cash toward the purchase price.
Closing costs + prepaids$12,389Not just lender fees.
Before credits & paid funds$172,935The complete starting cash picture.
Estimated remaining funds due at closing
$172,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,546.83
Your down payment$160,546.83
Closing costs + prepaids$12,388.61
Total buyer cash needed$172,935.43
Remaining funds due$172,935.43
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%)$4,142.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,268.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$607.50
Prepaid interest, first (25 days)$1,152.09
Fees + prepaids$12,388.61
Your down payment is the seller’s equity. You take over the $253,703 balance, so the rest of the $414,250 price is paid at closing. A second mortgage can cover part of it. $172,935.43 is due at closing. Uses and sources reconcile at $426,638.61 each. Not a Closing Disclosure.