Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$157,034Cash toward the purchase price.
Closing costs + prepaids$11,998Not just lender fees.
Before credits & paid funds$169,032The complete starting cash picture.
Estimated remaining funds due at closing
$169,032No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,034.50
Your down payment$157,034.50
Closing costs + prepaids$11,997.78
Total buyer cash needed$169,032.27
Remaining funds due$169,032.27
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%)$3,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,189.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$871.75
Initial HOA (3 months)$75.00
Prepaid interest, first (26 days)$694.70
Fees + prepaids$11,997.78
Your down payment is the seller’s equity. You take over the $237,866 balance, so the rest of the $394,900 price is paid at closing. A second mortgage can cover part of it. $169,032.27 is due at closing. Uses and sources reconcile at $406,897.78 each. Not a Closing Disclosure.