Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$157,601Cash toward the purchase price.
Closing costs + prepaids$12,417Not just lender fees.
Before credits & paid funds$170,018The complete starting cash picture.
Estimated remaining funds due at closing
$170,018No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,600.54
Your down payment$157,600.54
Closing costs + prepaids$12,417.22
Total buyer cash needed$170,017.76
Remaining funds due$170,017.76
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,262.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,025.00
Initial HOA (3 months)$159.99
Prepaid interest, first (24 days)$652.23
Fees + prepaids$12,417.22
Your down payment is the seller’s equity. You take over the $252,399 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $170,017.76 is due at closing. Uses and sources reconcile at $422,417.22 each. Not a Closing Disclosure.