Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$158,723Cash toward the purchase price.
Closing costs + prepaids$8,670Not just lender fees.
Before credits & paid funds$167,392The complete starting cash picture.
Estimated remaining funds due at closing
$167,392No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,722.76
Your down payment$158,722.76
Closing costs + prepaids$8,669.64
Total buyer cash needed$167,392.40
Remaining funds due$167,392.40
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%)$2,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$405.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$179.75
Initial HOA (3 months)$459.00
Prepaid interest, first (1 days)$8.01
Fees + prepaids$8,669.64
Your down payment is the seller’s equity. You take over the $81,177 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $167,392.40 is due at closing. Uses and sources reconcile at $248,569.64 each. Not a Closing Disclosure.