Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$150,856Cash toward the purchase price.
Closing costs + prepaids$8,017Not just lender fees.
Before credits & paid funds$158,872The complete starting cash picture.
Estimated remaining funds due at closing
$158,872No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,855.57
Your down payment$150,855.57
Closing costs + prepaids$8,016.76
Total buyer cash needed$158,872.34
Remaining funds due$158,872.34
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%)$2,120.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$305.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$217.25
Prepaid interest, first (25 days)$155.79
Fees + prepaids$8,016.76
Your down payment is the seller’s equity. You take over the $61,144 balance, so the rest of the $212,000 price is paid at closing. A second mortgage can cover part of it. $158,872.34 is due at closing. Uses and sources reconcile at $220,016.76 each. Not a Closing Disclosure.