Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$172,036Cash toward the purchase price.
Closing costs + prepaids$10,713Not just lender fees.
Before credits & paid funds$182,749The complete starting cash picture.
Estimated remaining funds due at closing
$182,749No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,036.14
Your down payment$172,036.14
Closing costs + prepaids$10,712.69
Total buyer cash needed$182,748.84
Remaining funds due$182,748.84
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%)$3,237.77
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$758.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$267.75
Initial HOA (3 months)$885.00
Prepaid interest, first (30 days)$345.47
Fees + prepaids$10,712.69
Your down payment is the seller’s equity. You take over the $151,741 balance, so the rest of the $323,777 price is paid at closing. A second mortgage can cover part of it. $182,748.84 is due at closing. Uses and sources reconcile at $334,489.69 each. Not a Closing Disclosure.