Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$158,830Cash toward the purchase price.
Closing costs + prepaids$11,412Not just lender fees.
Before credits & paid funds$170,242The complete starting cash picture.
Estimated remaining funds due at closing
$170,242No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,830.13
Your down payment$158,830.13
Closing costs + prepaids$11,412.14
Total buyer cash needed$170,242.28
Remaining funds due$170,242.28
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%)$1,280.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$498.00
Prepaid interest, first (12 days)$265.29
Fees + prepaids$11,412.14
Your down payment is the seller’s equity. You take over the $256,170 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $170,242.28 is due at closing. Uses and sources reconcile at $426,412.14 each. Not a Closing Disclosure.