Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$149,937Cash toward the purchase price.
Closing costs + prepaids$8,487Not just lender fees.
Before credits & paid funds$158,423The complete starting cash picture.
Estimated remaining funds due at closing
$158,423No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,936.75
Your down payment$149,936.75
Closing costs + prepaids$8,486.65
Total buyer cash needed$158,423.40
Remaining funds due$158,423.40
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%)$2,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$325.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$537.50
Prepaid interest, first (23 days)$255.83
Fees + prepaids$8,486.65
Your down payment is the seller’s equity. You take over the $65,063 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $158,423.40 is due at closing. Uses and sources reconcile at $223,486.65 each. Not a Closing Disclosure.