Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$167,464Cash toward the purchase price.
Closing costs + prepaids$10,452Not just lender fees.
Before credits & paid funds$177,916The complete starting cash picture.
Estimated remaining funds due at closing
$177,916No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,463.94
Your down payment$167,463.94
Closing costs + prepaids$10,452.01
Total buyer cash needed$177,915.95
Remaining funds due$177,915.95
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%)$3,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$807.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$665.00
Prepaid interest, first (25 days)$471.33
Fees + prepaids$10,452.01
Your down payment is the seller’s equity. You take over the $161,536 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $177,915.95 is due at closing. Uses and sources reconcile at $339,452.01 each. Not a Closing Disclosure.