Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$148,382Cash toward the purchase price.
Closing costs + prepaids$11,462Not just lender fees.
Before credits & paid funds$159,843The complete starting cash picture.
Estimated remaining funds due at closing
$159,843No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,381.54
Your down payment$148,381.54
Closing costs + prepaids$11,461.78
Total buyer cash needed$159,843.33
Remaining funds due$159,843.33
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%)$4,175.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,345.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$501.00
Initial HOA (3 months)$62.49
Prepaid interest, first (6 days)$159.70
Fees + prepaids$11,461.78
Your down payment is the seller’s equity. You take over the $269,118 balance, so the rest of the $417,500 price is paid at closing. A second mortgage can cover part of it. $159,843.33 is due at closing. Uses and sources reconcile at $428,961.78 each. Not a Closing Disclosure.