Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$158,756Cash toward the purchase price.
Closing costs + prepaids$11,704Not just lender fees.
Before credits & paid funds$170,461The complete starting cash picture.
Estimated remaining funds due at closing
$170,461No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,756.12
Your down payment$158,756.12
Closing costs + prepaids$11,704.48
Total buyer cash needed$170,460.60
Remaining funds due$170,460.60
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,306.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$359.00
Prepaid interest, first (31 days)$621.26
Fees + prepaids$11,704.48
Your down payment is the seller’s equity. You take over the $261,244 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $170,460.60 is due at closing. Uses and sources reconcile at $431,704.48 each. Not a Closing Disclosure.