Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$148,051Cash toward the purchase price.
Closing costs + prepaids$11,569Not just lender fees.
Before credits & paid funds$159,620The complete starting cash picture.
Estimated remaining funds due at closing
$159,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,050.95
Your down payment$148,050.95
Closing costs + prepaids$11,568.88
Total buyer cash needed$159,619.83
Remaining funds due$159,619.83
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,359.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$140.75
Initial HOA (3 months)$61.26
Prepaid interest, first (26 days)$590.62
Fees + prepaids$11,568.88
Your down payment is the seller’s equity. You take over the $271,849 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $159,619.83 is due at closing. Uses and sources reconcile at $431,468.88 each. Not a Closing Disclosure.