Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$151,748Cash toward the purchase price.
Closing costs + prepaids$11,958Not just lender fees.
Before credits & paid funds$163,705The complete starting cash picture.
Estimated remaining funds due at closing
$163,705No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,747.63
Your down payment$151,747.63
Closing costs + prepaids$11,957.76
Total buyer cash needed$163,705.38
Remaining funds due$163,705.38
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%)$1,340.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$451.00
Initial HOA (3 months)$90.00
Prepaid interest, first (26 days)$658.99
Fees + prepaids$11,957.76
Your down payment is the seller’s equity. You take over the $268,152 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $163,705.38 is due at closing. Uses and sources reconcile at $431,857.76 each. Not a Closing Disclosure.