Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$153,582Cash toward the purchase price.
Closing costs + prepaids$7,477Not just lender fees.
Before credits & paid funds$161,059The complete starting cash picture.
Estimated remaining funds due at closing
$161,059No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,581.59
Your down payment$153,581.59
Closing costs + prepaids$7,477.26
Total buyer cash needed$161,058.85
Remaining funds due$161,058.85
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%)$1,579.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$21.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$642.25
Prepaid interest, first (25 days)$16.42
Fees + prepaids$7,477.26
Your down payment is the seller’s equity. You take over the $4,318 balance, so the rest of the $157,900 price is paid at closing. A second mortgage can cover part of it. $161,058.85 is due at closing. Uses and sources reconcile at $165,377.26 each. Not a Closing Disclosure.