Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$160,823Cash toward the purchase price.
Closing costs + prepaids$12,327Not just lender fees.
Before credits & paid funds$173,150The complete starting cash picture.
Estimated remaining funds due at closing
$173,150No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,823.00
Your down payment$160,823.00
Closing costs + prepaids$12,326.94
Total buyer cash needed$173,149.94
Remaining funds due$173,149.94
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%)$3,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,145.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$228.75
Initial HOA (3 months)$1,221.00
Prepaid interest, first (31 days)$614.81
Fees + prepaids$12,326.94
Your down payment is the seller’s equity. You take over the $229,077 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $173,149.94 is due at closing. Uses and sources reconcile at $402,226.94 each. Not a Closing Disclosure.