Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$156,895Cash toward the purchase price.
Closing costs + prepaids$10,998Not just lender fees.
Before credits & paid funds$167,893The complete starting cash picture.
Estimated remaining funds due at closing
$167,893No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,895.12
Your down payment$156,895.12
Closing costs + prepaids$10,998.10
Total buyer cash needed$167,893.23
Remaining funds due$167,893.23
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%)$2,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$715.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$750.00
Initial HOA (3 months)$915.00
Prepaid interest, first (28 days)$399.59
Fees + prepaids$10,998.10
Your down payment is the seller’s equity. You take over the $143,104 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $167,893.23 is due at closing. Uses and sources reconcile at $310,997.10 each. Not a Closing Disclosure.