Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$157,026Cash toward the purchase price.
Closing costs + prepaids$8,770Not just lender fees.
Before credits & paid funds$165,796The complete starting cash picture.
Estimated remaining funds due at closing
$165,796No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,026.23
Your down payment$157,026.23
Closing costs + prepaids$8,769.86
Total buyer cash needed$165,796.09
Remaining funds due$165,796.09
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%)$2,485.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$457.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$347.75
Prepaid interest, first (28 days)$261.74
Fees + prepaids$8,769.86
Your down payment is the seller’s equity. You take over the $91,474 balance, so the rest of the $248,500 price is paid at closing. A second mortgage can cover part of it. $165,796.09 is due at closing. Uses and sources reconcile at $257,269.86 each. Not a Closing Disclosure.