Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$157,509Cash toward the purchase price.
Closing costs + prepaids$12,433Not just lender fees.
Before credits & paid funds$169,942The complete starting cash picture.
Estimated remaining funds due at closing
$169,942No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,509.49
Your down payment$157,509.49
Closing costs + prepaids$12,432.53
Total buyer cash needed$169,942.01
Remaining funds due$169,942.01
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%)$3,595.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,009.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,894.00
Initial HOA (3 months)$150.00
Prepaid interest, first (28 days)$565.57
Fees + prepaids$12,432.53
Your down payment is the seller’s equity. You take over the $201,991 balance, so the rest of the $359,500 price is paid at closing. A second mortgage can cover part of it. $169,942.01 is due at closing. Uses and sources reconcile at $371,932.53 each. Not a Closing Disclosure.