Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$151,392Cash toward the purchase price.
Closing costs + prepaids$11,947Not just lender fees.
Before credits & paid funds$163,339The complete starting cash picture.
Estimated remaining funds due at closing
$163,339No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,391.62
Your down payment$151,391.62
Closing costs + prepaids$11,947.39
Total buyer cash needed$163,339.01
Remaining funds due$163,339.01
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,318.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$530.75
Initial HOA (3 months)$264.99
Prepaid interest, first (21 days)$465.61
Fees + prepaids$11,947.39
Your down payment is the seller’s equity. You take over the $263,608 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $163,339.01 is due at closing. Uses and sources reconcile at $426,947.39 each. Not a Closing Disclosure.