Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$160,146Cash toward the purchase price.
Closing costs + prepaids$9,612Not just lender fees.
Before credits & paid funds$169,758The complete starting cash picture.
Estimated remaining funds due at closing
$169,758No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,146.18
Your down payment$160,146.18
Closing costs + prepaids$9,611.74
Total buyer cash needed$169,757.92
Remaining funds due$169,757.92
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%)$2,549.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$473.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,034.00
Initial HOA (3 months)$16.26
Prepaid interest, first (29 days)$320.71
Fees + prepaids$9,611.74
Your down payment is the seller’s equity. You take over the $94,754 balance, so the rest of the $254,900 price is paid at closing. A second mortgage can cover part of it. $169,757.92 is due at closing. Uses and sources reconcile at $264,511.74 each. Not a Closing Disclosure.