Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$151,378Cash toward the purchase price.
Closing costs + prepaids$8,338Not just lender fees.
Before credits & paid funds$159,716The complete starting cash picture.
Estimated remaining funds due at closing
$159,716No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,377.83
Your down payment$151,377.83
Closing costs + prepaids$8,337.68
Total buyer cash needed$159,715.51
Remaining funds due$159,715.51
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%)$2,546.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$516.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$42.75
Prepaid interest, first (2 days)$14.82
Fees + prepaids$8,337.68
Your down payment is the seller’s equity. You take over the $103,222 balance, so the rest of the $254,600 price is paid at closing. A second mortgage can cover part of it. $159,715.51 is due at closing. Uses and sources reconcile at $262,937.68 each. Not a Closing Disclosure.