Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$146,453Cash toward the purchase price.
Closing costs + prepaids$12,557Not just lender fees.
Before credits & paid funds$159,011The complete starting cash picture.
Estimated remaining funds due at closing
$159,011No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,453.31
Your down payment$146,453.31
Closing costs + prepaids$12,557.37
Total buyer cash needed$159,010.68
Remaining funds due$159,010.68
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%)$4,249.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,392.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$407.25
Prepaid interest, first (24 days)$1,289.40
Fees + prepaids$12,557.37
Your down payment is the seller’s equity. You take over the $278,546 balance, so the rest of the $424,999 price is paid at closing. A second mortgage can cover part of it. $159,010.68 is due at closing. Uses and sources reconcile at $437,556.37 each. Not a Closing Disclosure.