Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$129,788Cash toward the purchase price.
Closing costs + prepaids$7,262Not just lender fees.
Before credits & paid funds$137,050The complete starting cash picture.
Estimated remaining funds due at closing
$137,050No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,787.74
Your down payment$129,787.74
Closing costs + prepaids$7,262.36
Total buyer cash needed$137,050.10
Remaining funds due$137,050.10
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%)$1,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$151.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$286.75
Prepaid interest, first (1 days)$6.55
Fees + prepaids$7,262.36
Your down payment is the seller’s equity. You take over the $30,212 balance, so the rest of the $160,000 price is paid at closing. A second mortgage can cover part of it. $137,050.10 is due at closing. Uses and sources reconcile at $167,262.36 each. Not a Closing Disclosure.