Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$159,334Cash toward the purchase price.
Closing costs + prepaids$11,218Not just lender fees.
Before credits & paid funds$170,552The complete starting cash picture.
Estimated remaining funds due at closing
$170,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,333.64
Your down payment$159,333.64
Closing costs + prepaids$11,217.99
Total buyer cash needed$170,551.63
Remaining funds due$170,551.63
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%)$2,975.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$690.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,995.75
Prepaid interest, first (30 days)$338.41
Fees + prepaids$11,217.99
Your down payment is the seller’s equity. You take over the $138,166 balance, so the rest of the $297,500 price is paid at closing. A second mortgage can cover part of it. $170,551.63 is due at closing. Uses and sources reconcile at $308,717.99 each. Not a Closing Disclosure.