Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$155,851Cash toward the purchase price.
Closing costs + prepaids$10,682Not just lender fees.
Before credits & paid funds$166,533The complete starting cash picture.
Estimated remaining funds due at closing
$166,533No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,850.55
Your down payment$155,850.55
Closing costs + prepaids$10,682.23
Total buyer cash needed$166,532.78
Remaining funds due$166,532.78
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%)$3,159.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$800.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,018.50
Initial HOA (3 months)$105.00
Prepaid interest, first (30 days)$381.49
Fees + prepaids$10,682.23
Your down payment is the seller’s equity. You take over the $160,049 balance, so the rest of the $315,900 price is paid at closing. A second mortgage can cover part of it. $166,532.78 is due at closing. Uses and sources reconcile at $326,582.23 each. Not a Closing Disclosure.