Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$149,601Cash toward the purchase price.
Closing costs + prepaids$8,244Not just lender fees.
Before credits & paid funds$157,845The complete starting cash picture.
Estimated remaining funds due at closing
$157,845No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,601.41
Your down payment$149,601.41
Closing costs + prepaids$8,243.67
Total buyer cash needed$157,845.09
Remaining funds due$157,845.09
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%)$2,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$326.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$537.50
Prepaid interest, first (1 days)$11.18
Fees + prepaids$8,243.67
Your down payment is the seller’s equity. You take over the $65,399 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $157,845.09 is due at closing. Uses and sources reconcile at $223,243.67 each. Not a Closing Disclosure.