Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$143,570Cash toward the purchase price.
Closing costs + prepaids$12,753Not just lender fees.
Before credits & paid funds$156,323The complete starting cash picture.
Estimated remaining funds due at closing
$156,323No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,570.31
Your down payment$143,570.31
Closing costs + prepaids$12,752.53
Total buyer cash needed$156,322.84
Remaining funds due$156,322.84
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%)$3,799.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,182.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,058.00
Initial HOA (3 months)$37.50
Prepaid interest, first (24 days)$457.03
Fees + prepaids$12,752.53
Your down payment is the seller’s equity. You take over the $236,420 balance, so the rest of the $379,990 price is paid at closing. A second mortgage can cover part of it. $156,322.84 is due at closing. Uses and sources reconcile at $392,742.53 each. Not a Closing Disclosure.