Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$147,748Cash toward the purchase price.
Closing costs + prepaids$12,146Not just lender fees.
Before credits & paid funds$159,894The complete starting cash picture.
Estimated remaining funds due at closing
$159,894No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,747.98
Your down payment$147,747.98
Closing costs + prepaids$12,145.62
Total buyer cash needed$159,893.60
Remaining funds due$159,893.60
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%)$3,899.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,211.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,024.50
Initial HOA (3 months)$273.99
Prepaid interest, first (27 days)$517.89
Fees + prepaids$12,145.62
Your down payment is the seller’s equity. You take over the $242,251 balance, so the rest of the $389,999 price is paid at closing. A second mortgage can cover part of it. $159,893.60 is due at closing. Uses and sources reconcile at $402,144.62 each. Not a Closing Disclosure.