Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$50,337Cash toward the purchase price.
Closing costs + prepaids$8,380Not just lender fees.
Before credits & paid funds$58,717The complete starting cash picture.
Estimated remaining funds due at closing
$58,717No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,336.94
Your down payment$50,336.94
Closing costs + prepaids$8,380.09
Total buyer cash needed$58,717.03
Remaining funds due$58,717.03
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%)$1,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$548.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$356.25
Initial HOA (3 months)$465.00
Prepaid interest, first (24 days)$192.53
Fees + prepaids$8,380.09
Your down payment is the seller’s equity. You take over the $109,663 balance, so the rest of the $160,000 price is paid at closing. A second mortgage can cover part of it. $58,717.03 is due at closing. Uses and sources reconcile at $168,380.09 each. Not a Closing Disclosure.