Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$158,135Cash toward the purchase price.
Closing costs + prepaids$12,181Not just lender fees.
Before credits & paid funds$170,315The complete starting cash picture.
Estimated remaining funds due at closing
$170,315No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,134.65
Your down payment$158,134.65
Closing costs + prepaids$12,180.76
Total buyer cash needed$170,315.41
Remaining funds due$170,315.41
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%)$4,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,333.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$764.25
Prepaid interest, first (26 days)$615.68
Fees + prepaids$12,180.76
Your down payment is the seller’s equity. You take over the $266,765 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $170,315.41 is due at closing. Uses and sources reconcile at $437,080.76 each. Not a Closing Disclosure.