Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$159,352Cash toward the purchase price.
Closing costs + prepaids$13,222Not just lender fees.
Before credits & paid funds$172,574The complete starting cash picture.
Estimated remaining funds due at closing
$172,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,352.08
Your down payment$159,352.08
Closing costs + prepaids$13,222.23
Total buyer cash needed$172,574.30
Remaining funds due$172,574.30
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%)$4,188.14
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,297.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,152.75
Initial HOA (3 months)$795.00
Prepaid interest, first (29 days)$571.03
Fees + prepaids$13,222.23
Your down payment is the seller’s equity. You take over the $259,462 balance, so the rest of the $418,814 price is paid at closing. A second mortgage can cover part of it. $172,574.30 is due at closing. Uses and sources reconcile at $432,036.23 each. Not a Closing Disclosure.