Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$162,242Cash toward the purchase price.
Closing costs + prepaids$8,127Not just lender fees.
Before credits & paid funds$170,370The complete starting cash picture.
Estimated remaining funds due at closing
$170,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,242.29
Your down payment$162,242.29
Closing costs + prepaids$8,127.35
Total buyer cash needed$170,369.63
Remaining funds due$170,369.63
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%)$2,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$263.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$267.50
Prepaid interest, first (24 days)$229.56
Fees + prepaids$8,127.35
Your down payment is the seller’s equity. You take over the $52,658 balance, so the rest of the $214,900 price is paid at closing. A second mortgage can cover part of it. $170,369.63 is due at closing. Uses and sources reconcile at $223,027.35 each. Not a Closing Disclosure.