Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$146,606Cash toward the purchase price.
Closing costs + prepaids$10,566Not just lender fees.
Before credits & paid funds$157,172The complete starting cash picture.
Estimated remaining funds due at closing
$157,172No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,606.30
Your down payment$146,606.30
Closing costs + prepaids$10,565.70
Total buyer cash needed$157,172.00
Remaining funds due$157,172.00
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%)$2,989.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$761.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$358.75
Initial HOA (3 months)$993.00
Prepaid interest, first (12 days)$244.00
Fees + prepaids$10,565.70
Your down payment is the seller’s equity. You take over the $152,393 balance, so the rest of the $298,999 price is paid at closing. A second mortgage can cover part of it. $157,172.00 is due at closing. Uses and sources reconcile at $309,564.70 each. Not a Closing Disclosure.