Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$150,830Cash toward the purchase price.
Closing costs + prepaids$11,612Not just lender fees.
Before credits & paid funds$162,442The complete starting cash picture.
Estimated remaining funds due at closing
$162,442No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,830.11
Your down payment$150,830.11
Closing costs + prepaids$11,611.73
Total buyer cash needed$162,441.84
Remaining funds due$162,441.84
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%)$4,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,270.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$525.75
Prepaid interest, first (27 days)$547.13
Fees + prepaids$11,611.73
Your down payment is the seller’s equity. You take over the $254,170 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $162,441.84 is due at closing. Uses and sources reconcile at $416,611.73 each. Not a Closing Disclosure.