Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$152,200Cash toward the purchase price.
Closing costs + prepaids$9,813Not just lender fees.
Before credits & paid funds$162,013The complete starting cash picture.
Estimated remaining funds due at closing
$162,013No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,199.90
Your down payment$152,199.90
Closing costs + prepaids$9,812.88
Total buyer cash needed$162,012.79
Remaining funds due$162,012.79
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%)$2,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$664.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$712.50
Prepaid interest, first (27 days)$368.38
Fees + prepaids$9,812.88
Your down payment is the seller’s equity. You take over the $132,800 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $162,012.79 is due at closing. Uses and sources reconcile at $294,812.88 each. Not a Closing Disclosure.