Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$147,950Cash toward the purchase price.
Closing costs + prepaids$9,420Not just lender fees.
Before credits & paid funds$157,370The complete starting cash picture.
Estimated remaining funds due at closing
$157,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,949.82
Your down payment$147,949.82
Closing costs + prepaids$9,419.99
Total buyer cash needed$157,369.81
Remaining funds due$157,369.81
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%)$2,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$685.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$301.00
Initial HOA (3 months)$156.00
Prepaid interest, first (21 days)$209.74
Fees + prepaids$9,419.99
Your down payment is the seller’s equity. You take over the $137,050 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $157,369.81 is due at closing. Uses and sources reconcile at $294,419.99 each. Not a Closing Disclosure.