Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$157,597Cash toward the purchase price.
Closing costs + prepaids$11,496Not just lender fees.
Before credits & paid funds$169,093The complete starting cash picture.
Estimated remaining funds due at closing
$169,093No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,596.54
Your down payment$157,596.54
Closing costs + prepaids$11,496.39
Total buyer cash needed$169,092.92
Remaining funds due$169,092.92
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%)$3,581.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,002.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$743.00
Prepaid interest, first (24 days)$951.87
Fees + prepaids$11,496.39
Your down payment is the seller’s equity. You take over the $200,503 balance, so the rest of the $358,100 price is paid at closing. A second mortgage can cover part of it. $169,092.92 is due at closing. Uses and sources reconcile at $369,596.39 each. Not a Closing Disclosure.