Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$155,080Cash toward the purchase price.
Closing costs + prepaids$11,039Not just lender fees.
Before credits & paid funds$166,119The complete starting cash picture.
Estimated remaining funds due at closing
$166,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,079.65
Your down payment$155,079.65
Closing costs + prepaids$11,039.11
Total buyer cash needed$166,118.76
Remaining funds due$166,118.76
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%)$1,006.15
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 (30 days)$1,091.61
Fees + prepaids$11,039.11
Your down payment is the seller’s equity. You take over the $201,230 balance, so the rest of the $356,310 price is paid at closing. A second mortgage can cover part of it. $166,118.76 is due at closing. Uses and sources reconcile at $367,349.11 each. Not a Closing Disclosure.