Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$150,535Cash toward the purchase price.
Closing costs + prepaids$12,067Not just lender fees.
Before credits & paid funds$162,602The complete starting cash picture.
Estimated remaining funds due at closing
$162,602No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,534.87
Your down payment$150,534.87
Closing costs + prepaids$12,066.72
Total buyer cash needed$162,601.59
Remaining funds due$162,601.59
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%)$4,349.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,422.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$337.00
Initial HOA (3 months)$112.50
Prepaid interest, first (27 days)$627.05
Fees + prepaids$12,066.72
Your down payment is the seller’s equity. You take over the $284,455 balance, so the rest of the $434,990 price is paid at closing. A second mortgage can cover part of it. $162,601.59 is due at closing. Uses and sources reconcile at $447,056.72 each. Not a Closing Disclosure.