Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$170,892Cash toward the purchase price.
Closing costs + prepaids$7,739Not just lender fees.
Before credits & paid funds$178,631The complete starting cash picture.
Estimated remaining funds due at closing
$178,631No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,891.59
Your down payment$170,891.59
Closing costs + prepaids$7,739.27
Total buyer cash needed$178,630.87
Remaining funds due$178,630.87
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%)$2,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$220.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$146.50
Prepaid interest, first (1 days)$4.23
Fees + prepaids$7,739.27
Your down payment is the seller’s equity. You take over the $44,108 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $178,630.87 is due at closing. Uses and sources reconcile at $222,739.27 each. Not a Closing Disclosure.