Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$159,996Cash toward the purchase price.
Closing costs + prepaids$11,140Not just lender fees.
Before credits & paid funds$171,135The complete starting cash picture.
Estimated remaining funds due at closing
$171,135No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,995.56
Your down payment$159,995.56
Closing costs + prepaids$11,139.90
Total buyer cash needed$171,135.46
Remaining funds due$171,135.46
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%)$4,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,245.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$87.50
Prepaid interest, first (24 days)$499.37
Fees + prepaids$11,139.90
Your down payment is the seller’s equity. You take over the $249,004 balance, so the rest of the $409,000 price is paid at closing. A second mortgage can cover part of it. $171,135.46 is due at closing. Uses and sources reconcile at $420,139.90 each. Not a Closing Disclosure.