Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$161,994Cash toward the purchase price.
Closing costs + prepaids$8,380Not just lender fees.
Before credits & paid funds$170,374The complete starting cash picture.
Estimated remaining funds due at closing
$170,374No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,993.87
Your down payment$161,993.87
Closing costs + prepaids$8,379.81
Total buyer cash needed$170,373.68
Remaining funds due$170,373.68
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%)$2,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$390.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$288.00
Prepaid interest, first (10 days)$83.78
Fees + prepaids$8,379.81
Your down payment is the seller’s equity. You take over the $78,006 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $170,373.68 is due at closing. Uses and sources reconcile at $248,379.81 each. Not a Closing Disclosure.