Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$152,534Cash toward the purchase price.
Closing costs + prepaids$8,513Not just lender fees.
Before credits & paid funds$161,047The complete starting cash picture.
Estimated remaining funds due at closing
$161,047No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,533.70
Your down payment$152,533.70
Closing costs + prepaids$8,512.98
Total buyer cash needed$161,046.68
Remaining funds due$161,046.68
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%)$2,225.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$349.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$556.25
Prepaid interest, first (25 days)$163.89
Fees + prepaids$8,512.98
Your down payment is the seller’s equity. You take over the $69,966 balance, so the rest of the $222,500 price is paid at closing. A second mortgage can cover part of it. $161,046.68 is due at closing. Uses and sources reconcile at $231,012.98 each. Not a Closing Disclosure.