Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$153,795Cash toward the purchase price.
Closing costs + prepaids$8,554Not just lender fees.
Before credits & paid funds$162,349The complete starting cash picture.
Estimated remaining funds due at closing
$162,349No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,794.87
Your down payment$153,794.87
Closing costs + prepaids$8,553.92
Total buyer cash needed$162,348.78
Remaining funds due$162,348.78
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%)$2,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$430.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$310.00
Prepaid interest, first (25 days)$196.39
Fees + prepaids$8,553.92
Your down payment is the seller’s equity. You take over the $86,105 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $162,348.78 is due at closing. Uses and sources reconcile at $248,453.92 each. Not a Closing Disclosure.