Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$148,640Cash toward the purchase price.
Closing costs + prepaids$12,645Not just lender fees.
Before credits & paid funds$161,286The complete starting cash picture.
Estimated remaining funds due at closing
$161,286No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,640.50
Your down payment$148,640.50
Closing costs + prepaids$12,645.40
Total buyer cash needed$161,285.90
Remaining funds due$161,285.90
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%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,456.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$802.50
Initial HOA (3 months)$29.25
Prepaid interest, first (26 days)$738.86
Fees + prepaids$12,645.40
Your down payment is the seller’s equity. You take over the $291,360 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $161,285.90 is due at closing. Uses and sources reconcile at $452,645.40 each. Not a Closing Disclosure.