Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$151,692Cash toward the purchase price.
Closing costs + prepaids$8,491Not just lender fees.
Before credits & paid funds$160,183The complete starting cash picture.
Estimated remaining funds due at closing
$160,183No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,691.92
Your down payment$151,691.92
Closing costs + prepaids$8,491.19
Total buyer cash needed$160,183.11
Remaining funds due$160,183.11
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%)$2,546.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$514.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$42.75
Prepaid interest, first (23 days)$169.90
Fees + prepaids$8,491.19
Your down payment is the seller’s equity. You take over the $102,908 balance, so the rest of the $254,600 price is paid at closing. A second mortgage can cover part of it. $160,183.11 is due at closing. Uses and sources reconcile at $263,091.19 each. Not a Closing Disclosure.