Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$154,847Cash toward the purchase price.
Closing costs + prepaids$10,022Not just lender fees.
Before credits & paid funds$164,868The complete starting cash picture.
Estimated remaining funds due at closing
$164,868No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,846.52
Your down payment$154,846.52
Closing costs + prepaids$10,021.53
Total buyer cash needed$164,868.04
Remaining funds due$164,868.04
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%)$3,563.10
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,007.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$160.25
Prepaid interest, first (2 days)$72.86
Fees + prepaids$10,021.53
Your down payment is the seller’s equity. You take over the $201,463 balance, so the rest of the $356,310 price is paid at closing. A second mortgage can cover part of it. $164,868.04 is due at closing. Uses and sources reconcile at $366,331.53 each. Not a Closing Disclosure.