Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$157,350Cash toward the purchase price.
Closing costs + prepaids$13,876Not just lender fees.
Before credits & paid funds$171,226The complete starting cash picture.
Estimated remaining funds due at closing
$171,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,350.08
Your down payment$157,350.08
Closing costs + prepaids$13,875.76
Total buyer cash needed$171,225.84
Remaining funds due$171,225.84
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,313.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,827.00
Initial HOA (3 months)$172.50
Prepaid interest, first (26 days)$1,145.01
Fees + prepaids$13,875.76
Your down payment is the seller’s equity. You take over the $262,650 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $171,225.84 is due at closing. Uses and sources reconcile at $433,875.76 each. Not a Closing Disclosure.