Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$159,334Cash toward the purchase price.
Closing costs + prepaids$11,128Not just lender fees.
Before credits & paid funds$170,461The complete starting cash picture.
Estimated remaining funds due at closing
$170,461No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,333.64
Your down payment$159,333.64
Closing costs + prepaids$11,127.75
Total buyer cash needed$170,461.39
Remaining funds due$170,461.39
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%)$2,975.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$690.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,995.75
Prepaid interest, first (22 days)$248.17
Fees + prepaids$11,127.75
Your down payment is the seller’s equity. You take over the $138,166 balance, so the rest of the $297,500 price is paid at closing. A second mortgage can cover part of it. $170,461.39 is due at closing. Uses and sources reconcile at $308,627.75 each. Not a Closing Disclosure.