Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$156,863Cash toward the purchase price.
Closing costs + prepaids$12,201Not just lender fees.
Before credits & paid funds$169,064The complete starting cash picture.
Estimated remaining funds due at closing
$169,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,862.57
Your down payment$156,862.57
Closing costs + prepaids$12,201.39
Total buyer cash needed$169,063.96
Remaining funds due$169,063.96
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%)$3,889.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,160.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$878.00
Initial HOA (3 months)$540.00
Prepaid interest, first (28 days)$516.20
Fees + prepaids$12,201.39
Your down payment is the seller’s equity. You take over the $232,037 balance, so the rest of the $388,900 price is paid at closing. A second mortgage can cover part of it. $169,063.96 is due at closing. Uses and sources reconcile at $401,101.39 each. Not a Closing Disclosure.