Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$155,680Cash toward the purchase price.
Closing costs + prepaids$9,455Not just lender fees.
Before credits & paid funds$165,134The complete starting cash picture.
Estimated remaining funds due at closing
$165,134No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,679.59
Your down payment$155,679.59
Closing costs + prepaids$9,454.58
Total buyer cash needed$165,134.17
Remaining funds due$165,134.17
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%)$2,445.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$444.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$194.50
Initial HOA (3 months)$879.00
Prepaid interest, first (27 days)$273.98
Fees + prepaids$9,454.58
Your down payment is the seller’s equity. You take over the $88,820 balance, so the rest of the $244,500 price is paid at closing. A second mortgage can cover part of it. $165,134.17 is due at closing. Uses and sources reconcile at $253,954.58 each. Not a Closing Disclosure.