Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$160,831Cash toward the purchase price.
Closing costs + prepaids$8,950Not just lender fees.
Before credits & paid funds$169,782The complete starting cash picture.
Estimated remaining funds due at closing
$169,782No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,831.06
Your down payment$160,831.06
Closing costs + prepaids$8,950.49
Total buyer cash needed$169,781.55
Remaining funds due$169,781.55
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%)$2,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$320.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$562.25
Initial HOA (3 months)$405.00
Prepaid interest, first (30 days)$195.89
Fees + prepaids$8,950.49
Your down payment is the seller’s equity. You take over the $64,069 balance, so the rest of the $224,900 price is paid at closing. A second mortgage can cover part of it. $169,781.55 is due at closing. Uses and sources reconcile at $233,850.49 each. Not a Closing Disclosure.