Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$150,886Cash toward the purchase price.
Closing costs + prepaids$10,086Not just lender fees.
Before credits & paid funds$160,972The complete starting cash picture.
Estimated remaining funds due at closing
$160,972No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,886.26
Your down payment$150,886.26
Closing costs + prepaids$10,085.78
Total buyer cash needed$160,972.04
Remaining funds due$160,972.04
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%)$2,549.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$520.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,587.75
Prepaid interest, first (24 days)$209.48
Fees + prepaids$10,085.78
Your down payment is the seller’s equity. You take over the $104,113 balance, so the rest of the $254,999 price is paid at closing. A second mortgage can cover part of it. $160,972.04 is due at closing. Uses and sources reconcile at $265,084.78 each. Not a Closing Disclosure.