Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$160,214Cash toward the purchase price.
Closing costs + prepaids$11,039Not just lender fees.
Before credits & paid funds$171,253The complete starting cash picture.
Estimated remaining funds due at closing
$171,253No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,214.00
Your down payment$160,214.00
Closing costs + prepaids$11,039.05
Total buyer cash needed$171,253.05
Remaining funds due$171,253.05
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%)$1,143.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$486.25
Prepaid interest, first (16 days)$300.87
Fees + prepaids$11,039.05
Your down payment is the seller’s equity. You take over the $228,786 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $171,253.05 is due at closing. Uses and sources reconcile at $400,039.05 each. Not a Closing Disclosure.