Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$158,881Cash toward the purchase price.
Closing costs + prepaids$12,836Not just lender fees.
Before credits & paid funds$171,717The complete starting cash picture.
Estimated remaining funds due at closing
$171,717No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,881.03
Your down payment$158,881.03
Closing costs + prepaids$12,836.42
Total buyer cash needed$171,717.45
Remaining funds due$171,717.45
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%)$3,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,130.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$749.25
Initial HOA (3 months)$1,308.99
Prepaid interest, first (24 days)$581.09
Fees + prepaids$12,836.42
Your down payment is the seller’s equity. You take over the $226,019 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $171,717.45 is due at closing. Uses and sources reconcile at $397,736.42 each. Not a Closing Disclosure.