Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$160,399Cash toward the purchase price.
Closing costs + prepaids$14,128Not just lender fees.
Before credits & paid funds$174,527The complete starting cash picture.
Estimated remaining funds due at closing
$174,527No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,399.14
Your down payment$160,399.14
Closing costs + prepaids$14,127.56
Total buyer cash needed$174,526.69
Remaining funds due$174,526.69
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%)$4,299.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,347.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,136.25
Initial HOA (3 months)$587.01
Prepaid interest, first (27 days)$538.44
Fees + prepaids$14,127.56
Your down payment is the seller’s equity. You take over the $269,591 balance, so the rest of the $429,990 price is paid at closing. A second mortgage can cover part of it. $174,526.69 is due at closing. Uses and sources reconcile at $444,117.56 each. Not a Closing Disclosure.