Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$151,190Cash toward the purchase price.
Closing costs + prepaids$11,578Not just lender fees.
Before credits & paid funds$162,767The complete starting cash picture.
Estimated remaining funds due at closing
$162,767No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,189.52
Your down payment$151,189.52
Closing costs + prepaids$11,577.53
Total buyer cash needed$162,767.05
Remaining funds due$162,767.05
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%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,239.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$488.75
Initial HOA (3 months)$225.00
Prepaid interest, first (22 days)$416.73
Fees + prepaids$11,577.53
Your down payment is the seller’s equity. You take over the $247,810 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $162,767.05 is due at closing. Uses and sources reconcile at $410,577.53 each. Not a Closing Disclosure.