Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$160,907Cash toward the purchase price.
Closing costs + prepaids$7,954Not just lender fees.
Before credits & paid funds$168,861The complete starting cash picture.
Estimated remaining funds due at closing
$168,861No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,906.67
Your down payment$160,906.67
Closing costs + prepaids$7,954.38
Total buyer cash needed$168,861.06
Remaining funds due$168,861.06
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%)$2,040.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$215.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$382.50
Prepaid interest, first (16 days)$98.42
Fees + prepaids$7,954.38
Your down payment is the seller’s equity. You take over the $43,093 balance, so the rest of the $204,000 price is paid at closing. A second mortgage can cover part of it. $168,861.06 is due at closing. Uses and sources reconcile at $211,954.38 each. Not a Closing Disclosure.