Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$147,571Cash toward the purchase price.
Closing costs + prepaids$9,943Not just lender fees.
Before credits & paid funds$157,514The complete starting cash picture.
Estimated remaining funds due at closing
$157,514No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,570.87
Your down payment$147,570.87
Closing costs + prepaids$9,943.41
Total buyer cash needed$157,514.28
Remaining funds due$157,514.28
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%)$2,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$736.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$443.75
Initial HOA (3 months)$240.00
Prepaid interest, first (28 days)$356.01
Fees + prepaids$9,943.41
Your down payment is the seller’s equity. You take over the $147,329 balance, so the rest of the $294,900 price is paid at closing. A second mortgage can cover part of it. $157,514.28 is due at closing. Uses and sources reconcile at $304,843.41 each. Not a Closing Disclosure.