Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$144,904Cash toward the purchase price.
Closing costs + prepaids$10,054Not just lender fees.
Before credits & paid funds$154,958The complete starting cash picture.
Estimated remaining funds due at closing
$154,958No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,903.52
Your down payment$144,903.52
Closing costs + prepaids$10,054.31
Total buyer cash needed$154,957.83
Remaining funds due$154,957.83
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%)$2,949.80
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$750.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$737.50
Initial HOA (3 months)$90.00
Prepaid interest, first (27 days)$308.62
Fees + prepaids$10,054.31
Your down payment is the seller’s equity. You take over the $150,076 balance, so the rest of the $294,980 price is paid at closing. A second mortgage can cover part of it. $154,957.83 is due at closing. Uses and sources reconcile at $305,034.31 each. Not a Closing Disclosure.