Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$145,673Cash toward the purchase price.
Closing costs + prepaids$11,762Not just lender fees.
Before credits & paid funds$157,435The complete starting cash picture.
Estimated remaining funds due at closing
$157,435No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,672.87
Your down payment$145,672.87
Closing costs + prepaids$11,761.72
Total buyer cash needed$157,434.59
Remaining funds due$157,434.59
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,421.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$516.00
Initial HOA (3 months)$31.26
Prepaid interest, first (12 days)$274.82
Fees + prepaids$11,761.72
Your down payment is the seller’s equity. You take over the $284,327 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $157,434.59 is due at closing. Uses and sources reconcile at $441,761.72 each. Not a Closing Disclosure.