Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$158,911Cash toward the purchase price.
Closing costs + prepaids$8,828Not just lender fees.
Before credits & paid funds$167,740The complete starting cash picture.
Estimated remaining funds due at closing
$167,740No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,911.14
Your down payment$158,911.14
Closing costs + prepaids$8,828.44
Total buyer cash needed$167,739.58
Remaining funds due$167,739.58
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%)$404.94
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 (21 days)$167.75
Fees + prepaids$8,828.44
Your down payment is the seller’s equity. You take over the $80,989 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $167,739.58 is due at closing. Uses and sources reconcile at $248,728.44 each. Not a Closing Disclosure.