Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$149,204Cash toward the purchase price.
Closing costs + prepaids$12,488Not just lender fees.
Before credits & paid funds$161,691The complete starting cash picture.
Estimated remaining funds due at closing
$161,691No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,203.95
Your down payment$149,203.95
Closing costs + prepaids$12,487.55
Total buyer cash needed$161,691.50
Remaining funds due$161,691.50
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%)$4,349.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,428.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,087.50
Prepaid interest, first (18 days)$403.09
Fees + prepaids$12,487.55
Your down payment is the seller’s equity. You take over the $285,795 balance, so the rest of the $434,999 price is paid at closing. A second mortgage can cover part of it. $161,691.50 is due at closing. Uses and sources reconcile at $447,486.55 each. Not a Closing Disclosure.