Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$149,439Cash toward the purchase price.
Closing costs + prepaids$12,220Not just lender fees.
Before credits & paid funds$161,658The complete starting cash picture.
Estimated remaining funds due at closing
$161,658No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,438.55
Your down payment$149,438.55
Closing costs + prepaids$12,219.86
Total buyer cash needed$161,658.41
Remaining funds due$161,658.41
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,327.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$415.00
Initial HOA (3 months)$339.00
Prepaid interest, first (27 days)$770.06
Fees + prepaids$12,219.86
Your down payment is the seller’s equity. You take over the $265,561 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $161,658.41 is due at closing. Uses and sources reconcile at $427,219.86 each. Not a Closing Disclosure.