Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$160,823Cash toward the purchase price.
Closing costs + prepaids$12,150Not just lender fees.
Before credits & paid funds$172,973The complete starting cash picture.
Estimated remaining funds due at closing
$172,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,823.00
Your down payment$160,823.00
Closing costs + prepaids$12,149.71
Total buyer cash needed$172,972.71
Remaining funds due$172,972.71
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%)$3,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,145.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$468.00
Initial HOA (3 months)$1,221.00
Prepaid interest, first (10 days)$198.32
Fees + prepaids$12,149.71
Your down payment is the seller’s equity. You take over the $229,077 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $172,972.71 is due at closing. Uses and sources reconcile at $402,049.71 each. Not a Closing Disclosure.