Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$150,923Cash toward the purchase price.
Closing costs + prepaids$8,361Not just lender fees.
Before credits & paid funds$159,284The complete starting cash picture.
Estimated remaining funds due at closing
$159,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,923.07
Your down payment$150,923.07
Closing costs + prepaids$8,361.14
Total buyer cash needed$159,284.21
Remaining funds due$159,284.21
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%)$2,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$420.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$282.00
Prepaid interest, first (10 days)$90.76
Fees + prepaids$8,361.14
Your down payment is the seller’s equity. You take over the $84,077 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $159,284.21 is due at closing. Uses and sources reconcile at $243,361.14 each. Not a Closing Disclosure.