Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$146,318Cash toward the purchase price.
Closing costs + prepaids$12,634Not just lender fees.
Before credits & paid funds$158,953The complete starting cash picture.
Estimated remaining funds due at closing
$158,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,318.46
Your down payment$146,318.46
Closing costs + prepaids$12,634.12
Total buyer cash needed$158,952.58
Remaining funds due$158,952.58
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%)$1,592.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$593.00
Initial HOA (3 months)$270.00
Prepaid interest, first (2 days)$61.96
Fees + prepaids$12,634.12
Your down payment is the seller’s equity. You take over the $318,532 balance, so the rest of the $464,850 price is paid at closing. A second mortgage can cover part of it. $158,952.58 is due at closing. Uses and sources reconcile at $477,484.12 each. Not a Closing Disclosure.