Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$145,181Cash toward the purchase price.
Closing costs + prepaids$11,839Not just lender fees.
Before credits & paid funds$157,020The complete starting cash picture.
Estimated remaining funds due at closing
$157,020No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,181.18
Your down payment$145,181.18
Closing costs + prepaids$11,838.84
Total buyer cash needed$157,020.02
Remaining funds due$157,020.02
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,324.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$310.50
Initial HOA (3 months)$216.00
Prepaid interest, first (31 days)$670.25
Fees + prepaids$11,838.84
Your down payment is the seller’s equity. You take over the $264,819 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $157,020.02 is due at closing. Uses and sources reconcile at $421,838.84 each. Not a Closing Disclosure.