Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$155,956Cash toward the purchase price.
Closing costs + prepaids$11,662Not just lender fees.
Before credits & paid funds$167,619The complete starting cash picture.
Estimated remaining funds due at closing
$167,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,956.34
Your down payment$155,956.34
Closing costs + prepaids$11,662.49
Total buyer cash needed$167,618.83
Remaining funds due$167,618.83
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,319.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$525.00
Initial HOA (3 months)$75.00
Prepaid interest, first (17 days)$325.77
Fees + prepaids$11,662.49
Your down payment is the seller’s equity. You take over the $263,944 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $167,618.83 is due at closing. Uses and sources reconcile at $431,562.49 each. Not a Closing Disclosure.