Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$159,325Cash toward the purchase price.
Closing costs + prepaids$7,111Not just lender fees.
Before credits & paid funds$166,436The complete starting cash picture.
Estimated remaining funds due at closing
$166,436No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,325.14
Your down payment$159,325.14
Closing costs + prepaids$7,110.73
Total buyer cash needed$166,435.87
Remaining funds due$166,435.87
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%)$1,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$28.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$213.50
Prepaid interest, first (2 days)$0.86
Fees + prepaids$7,110.73
Your down payment is the seller’s equity. You take over the $5,675 balance, so the rest of the $165,000 price is paid at closing. A second mortgage can cover part of it. $166,435.87 is due at closing. Uses and sources reconcile at $172,110.73 each. Not a Closing Disclosure.