Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$156,950Cash toward the purchase price.
Closing costs + prepaids$15,805Not just lender fees.
Before credits & paid funds$172,756The complete starting cash picture.
Estimated remaining funds due at closing
$172,756No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,950.07
Your down payment$156,950.07
Closing costs + prepaids$15,805.43
Total buyer cash needed$172,755.51
Remaining funds due$172,755.51
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%)$5,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,064.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,308.50
Initial HOA (3 months)$318.00
Prepaid interest, first (28 days)$947.18
Fees + prepaids$15,805.43
Your down payment is the seller’s equity. You take over the $412,950 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $172,755.51 is due at closing. Uses and sources reconcile at $585,705.43 each. Not a Closing Disclosure.