Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$156,587Cash toward the purchase price.
Closing costs + prepaids$10,922Not just lender fees.
Before credits & paid funds$167,509The complete starting cash picture.
Estimated remaining funds due at closing
$167,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,587.13
Your down payment$156,587.13
Closing costs + prepaids$10,921.92
Total buyer cash needed$167,509.05
Remaining funds due$167,509.05
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%)$3,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,162.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$466.75
Prepaid interest, first (9 days)$185.10
Fees + prepaids$10,921.92
Your down payment is the seller’s equity. You take over the $232,413 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $167,509.05 is due at closing. Uses and sources reconcile at $399,921.92 each. Not a Closing Disclosure.