Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$159,200Cash toward the purchase price.
Closing costs + prepaids$11,889Not just lender fees.
Before credits & paid funds$171,089The complete starting cash picture.
Estimated remaining funds due at closing
$171,089No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,199.82
Your down payment$159,199.82
Closing costs + prepaids$11,889.16
Total buyer cash needed$171,088.98
Remaining funds due$171,088.98
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%)$3,970.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,189.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$268.75
Initial HOA (3 months)$585.00
Prepaid interest, first (31 days)$658.41
Fees + prepaids$11,889.16
Your down payment is the seller’s equity. You take over the $237,800 balance, so the rest of the $397,000 price is paid at closing. A second mortgage can cover part of it. $171,088.98 is due at closing. Uses and sources reconcile at $408,889.16 each. Not a Closing Disclosure.