Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$156,340Cash toward the purchase price.
Closing costs + prepaids$10,801Not just lender fees.
Before credits & paid funds$167,142The complete starting cash picture.
Estimated remaining funds due at closing
$167,142No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,340.41
Your down payment$156,340.41
Closing costs + prepaids$10,801.19
Total buyer cash needed$167,141.60
Remaining funds due$167,141.60
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%)$2,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$417.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,063.00
Initial HOA (3 months)$1,398.00
Prepaid interest, first (23 days)$305.39
Fees + prepaids$10,801.19
Your down payment is the seller’s equity. You take over the $83,560 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $167,141.60 is due at closing. Uses and sources reconcile at $250,701.19 each. Not a Closing Disclosure.