Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$130,450Cash toward the purchase price.
Closing costs + prepaids$7,406Not just lender fees.
Before credits & paid funds$137,857The complete starting cash picture.
Estimated remaining funds due at closing
$137,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,450.32
Your down payment$130,450.32
Closing costs + prepaids$7,406.19
Total buyer cash needed$137,856.51
Remaining funds due$137,856.51
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%)$1,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$147.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$286.75
Prepaid interest, first (24 days)$153.69
Fees + prepaids$7,406.19
Your down payment is the seller’s equity. You take over the $29,550 balance, so the rest of the $160,000 price is paid at closing. A second mortgage can cover part of it. $137,856.51 is due at closing. Uses and sources reconcile at $167,406.19 each. Not a Closing Disclosure.