Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$161,113Cash toward the purchase price.
Closing costs + prepaids$10,131Not just lender fees.
Before credits & paid funds$171,244The complete starting cash picture.
Estimated remaining funds due at closing
$171,244No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,112.94
Your down payment$161,112.94
Closing costs + prepaids$10,131.47
Total buyer cash needed$171,244.41
Remaining funds due$171,244.41
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%)$2,249.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$319.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$754.00
Initial HOA (3 months)$1,392.00
Prepaid interest, first (31 days)$198.05
Fees + prepaids$10,131.47
Your down payment is the seller’s equity. You take over the $63,886 balance, so the rest of the $224,999 price is paid at closing. A second mortgage can cover part of it. $171,244.41 is due at closing. Uses and sources reconcile at $235,130.47 each. Not a Closing Disclosure.