Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$149,454Cash toward the purchase price.
Closing costs + prepaids$11,809Not just lender fees.
Before credits & paid funds$161,263The complete starting cash picture.
Estimated remaining funds due at closing
$161,263No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,453.64
Your down payment$149,453.64
Closing costs + prepaids$11,809.40
Total buyer cash needed$161,263.04
Remaining funds due$161,263.04
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%)$4,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,327.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$557.75
Initial HOA (3 months)$45.00
Prepaid interest, first (26 days)$512.42
Fees + prepaids$11,809.40
Your down payment is the seller’s equity. You take over the $265,446 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $161,263.04 is due at closing. Uses and sources reconcile at $426,709.40 each. Not a Closing Disclosure.