Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$154,204Cash toward the purchase price.
Closing costs + prepaids$10,823Not just lender fees.
Before credits & paid funds$165,027The complete starting cash picture.
Estimated remaining funds due at closing
$165,027No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,204.48
Your down payment$154,204.48
Closing costs + prepaids$10,822.98
Total buyer cash needed$165,027.45
Remaining funds due$165,027.45
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%)$2,936.48
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$697.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,625.00
Prepaid interest, first (22 days)$346.28
Fees + prepaids$10,822.98
Your down payment is the seller’s equity. You take over the $139,444 balance, so the rest of the $293,648 price is paid at closing. A second mortgage can cover part of it. $165,027.45 is due at closing. Uses and sources reconcile at $304,470.98 each. Not a Closing Disclosure.