Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$148,870Cash toward the purchase price.
Closing costs + prepaids$12,600Not just lender fees.
Before credits & paid funds$161,470The complete starting cash picture.
Estimated remaining funds due at closing
$161,470No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,869.83
Your down payment$148,869.83
Closing costs + prepaids$12,599.84
Total buyer cash needed$161,469.66
Remaining funds due$161,469.66
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%)$4,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,380.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$846.00
Initial HOA (3 months)$225.00
Prepaid interest, first (27 days)$680.19
Fees + prepaids$12,599.84
Your down payment is the seller’s equity. You take over the $276,130 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $161,469.66 is due at closing. Uses and sources reconcile at $437,599.84 each. Not a Closing Disclosure.