Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$151,958Cash toward the purchase price.
Closing costs + prepaids$11,931Not just lender fees.
Before credits & paid funds$163,889The complete starting cash picture.
Estimated remaining funds due at closing
$163,889No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,958.04
Your down payment$151,958.04
Closing costs + prepaids$11,930.86
Total buyer cash needed$163,888.91
Remaining funds due$163,888.91
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,340.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$519.25
Initial HOA (3 months)$200.01
Prepaid interest, first (21 days)$453.39
Fees + prepaids$11,930.86
Your down payment is the seller’s equity. You take over the $268,042 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $163,888.91 is due at closing. Uses and sources reconcile at $431,930.86 each. Not a Closing Disclosure.