Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$156,075Cash toward the purchase price.
Closing costs + prepaids$8,147Not just lender fees.
Before credits & paid funds$164,222The complete starting cash picture.
Estimated remaining funds due at closing
$164,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,074.77
Your down payment$156,074.77
Closing costs + prepaids$8,146.82
Total buyer cash needed$164,221.60
Remaining funds due$164,221.60
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%)$2,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$264.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$443.00
Prepaid interest, first (24 days)$131.20
Fees + prepaids$8,146.82
Your down payment is the seller’s equity. You take over the $52,925 balance, so the rest of the $209,000 price is paid at closing. A second mortgage can cover part of it. $164,221.60 is due at closing. Uses and sources reconcile at $217,146.82 each. Not a Closing Disclosure.