Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$147,592Cash toward the purchase price.
Closing costs + prepaids$14,255Not just lender fees.
Before credits & paid funds$161,847The complete starting cash picture.
Estimated remaining funds due at closing
$161,847No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,591.97
Your down payment$147,591.97
Closing costs + prepaids$14,254.71
Total buyer cash needed$161,846.68
Remaining funds due$161,846.68
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%)$4,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,407.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,617.00
Initial HOA (3 months)$32.49
Prepaid interest, first (24 days)$690.18
Fees + prepaids$14,254.71
Your down payment is the seller’s equity. You take over the $281,408 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $161,846.68 is due at closing. Uses and sources reconcile at $443,254.71 each. Not a Closing Disclosure.