Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$156,730Cash toward the purchase price.
Closing costs + prepaids$10,078Not just lender fees.
Before credits & paid funds$166,808The complete starting cash picture.
Estimated remaining funds due at closing
$166,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,730.00
Your down payment$156,730.00
Closing costs + prepaids$10,077.67
Total buyer cash needed$166,807.66
Remaining funds due$166,807.66
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%)$3,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$865.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$306.25
Prepaid interest, first (30 days)$388.57
Fees + prepaids$10,077.67
Your down payment is the seller’s equity. You take over the $173,170 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $166,807.66 is due at closing. Uses and sources reconcile at $339,977.67 each. Not a Closing Disclosure.