Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$160,809Cash toward the purchase price.
Closing costs + prepaids$8,453Not just lender fees.
Before credits & paid funds$169,263The complete starting cash picture.
Estimated remaining funds due at closing
$169,263No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,809.35
Your down payment$160,809.35
Closing costs + prepaids$8,453.31
Total buyer cash needed$169,262.66
Remaining funds due$169,262.66
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%)$2,440.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$415.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$292.75
Prepaid interest, first (10 days)$86.61
Fees + prepaids$8,453.31
Your down payment is the seller’s equity. You take over the $83,191 balance, so the rest of the $244,000 price is paid at closing. A second mortgage can cover part of it. $169,262.66 is due at closing. Uses and sources reconcile at $252,453.31 each. Not a Closing Disclosure.