Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$147,652Cash toward the purchase price.
Closing costs + prepaids$12,655Not just lender fees.
Before credits & paid funds$160,307The complete starting cash picture.
Estimated remaining funds due at closing
$160,307No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,651.88
Your down payment$147,651.88
Closing costs + prepaids$12,655.32
Total buyer cash needed$160,307.20
Remaining funds due$160,307.20
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%)$4,295.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,409.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$149.25
Initial HOA (3 months)$164.01
Prepaid interest, first (27 days)$1,419.82
Fees + prepaids$12,655.32
Your down payment is the seller’s equity. You take over the $281,848 balance, so the rest of the $429,500 price is paid at closing. A second mortgage can cover part of it. $160,307.20 is due at closing. Uses and sources reconcile at $442,155.32 each. Not a Closing Disclosure.