Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$144,389Cash toward the purchase price.
Closing costs + prepaids$12,027Not just lender fees.
Before credits & paid funds$156,416The complete starting cash picture.
Estimated remaining funds due at closing
$156,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,388.79
Your down payment$144,388.79
Closing costs + prepaids$12,026.82
Total buyer cash needed$156,415.61
Remaining funds due$156,415.61
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%)$4,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,423.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$514.75
Initial HOA (3 months)$312.00
Prepaid interest, first (10 days)$269.02
Fees + prepaids$12,026.82
Your down payment is the seller’s equity. You take over the $284,611 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $156,415.61 is due at closing. Uses and sources reconcile at $441,026.82 each. Not a Closing Disclosure.