Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$146,963Cash toward the purchase price.
Closing costs + prepaids$12,843Not just lender fees.
Before credits & paid funds$159,806The complete starting cash picture.
Estimated remaining funds due at closing
$159,806No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,963.02
Your down payment$146,963.02
Closing costs + prepaids$12,842.86
Total buyer cash needed$159,805.88
Remaining funds due$159,805.88
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%)$4,648.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,589.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$557.75
Initial HOA (3 months)$270.00
Prepaid interest, first (10 days)$309.18
Fees + prepaids$12,842.86
Your down payment is the seller’s equity. You take over the $317,887 balance, so the rest of the $464,850 price is paid at closing. A second mortgage can cover part of it. $159,805.88 is due at closing. Uses and sources reconcile at $477,692.86 each. Not a Closing Disclosure.