Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$156,653Cash toward the purchase price.
Closing costs + prepaids$10,226Not just lender fees.
Before credits & paid funds$166,878The complete starting cash picture.
Estimated remaining funds due at closing
$166,878No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,652.62
Your down payment$156,652.62
Closing costs + prepaids$10,225.53
Total buyer cash needed$166,878.15
Remaining funds due$166,878.15
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%)$2,560.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$496.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,731.00
Prepaid interest, first (25 days)$219.79
Fees + prepaids$10,225.53
Your down payment is the seller’s equity. You take over the $99,347 balance, so the rest of the $256,000 price is paid at closing. A second mortgage can cover part of it. $166,878.15 is due at closing. Uses and sources reconcile at $266,225.53 each. Not a Closing Disclosure.