Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$164,902Cash toward the purchase price.
Closing costs + prepaids$11,510Not just lender fees.
Before credits & paid funds$176,412The complete starting cash picture.
Estimated remaining funds due at closing
$176,412No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,902.27
Your down payment$164,902.27
Closing costs + prepaids$11,509.94
Total buyer cash needed$176,412.21
Remaining funds due$176,412.21
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%)$1,275.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$504.00
Initial HOA (3 months)$116.76
Prepaid interest, first (10 days)$195.69
Fees + prepaids$11,509.94
Your down payment is the seller’s equity. You take over the $255,098 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $176,412.21 is due at closing. Uses and sources reconcile at $431,509.94 each. Not a Closing Disclosure.