Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$157,650Cash toward the purchase price.
Closing costs + prepaids$9,504Not just lender fees.
Before credits & paid funds$167,155The complete starting cash picture.
Estimated remaining funds due at closing
$167,155No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,650.35
Your down payment$157,650.35
Closing costs + prepaids$9,504.30
Total buyer cash needed$167,154.65
Remaining funds due$167,154.65
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%)$2,680.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$551.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$670.00
Initial HOA (3 months)$39.99
Prepaid interest, first (29 days)$344.56
Fees + prepaids$9,504.30
Your down payment is the seller’s equity. You take over the $110,350 balance, so the rest of the $268,000 price is paid at closing. A second mortgage can cover part of it. $167,154.65 is due at closing. Uses and sources reconcile at $277,504.30 each. Not a Closing Disclosure.