Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$153,911Cash toward the purchase price.
Closing costs + prepaids$8,770Not just lender fees.
Before credits & paid funds$162,682The complete starting cash picture.
Estimated remaining funds due at closing
$162,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,911.14
Your down payment$153,911.14
Closing costs + prepaids$8,770.45
Total buyer cash needed$162,681.59
Remaining funds due$162,681.59
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%)$2,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$404.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$179.75
Initial HOA (3 months)$459.00
Prepaid interest, first (20 days)$159.76
Fees + prepaids$8,770.45
Your down payment is the seller’s equity. You take over the $80,989 balance, so the rest of the $234,900 price is paid at closing. A second mortgage can cover part of it. $162,681.59 is due at closing. Uses and sources reconcile at $243,670.45 each. Not a Closing Disclosure.