Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$152,221Cash toward the purchase price.
Closing costs + prepaids$11,824Not just lender fees.
Before credits & paid funds$164,045The complete starting cash picture.
Estimated remaining funds due at closing
$164,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,221.27
Your down payment$152,221.27
Closing costs + prepaids$11,823.82
Total buyer cash needed$164,045.09
Remaining funds due$164,045.09
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%)$1,338.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$295.25
Initial HOA (3 months)$140.01
Prepaid interest, first (30 days)$631.66
Fees + prepaids$11,823.82
Your down payment is the seller’s equity. You take over the $267,779 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $164,045.09 is due at closing. Uses and sources reconcile at $431,823.82 each. Not a Closing Disclosure.