Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$170,552Cash toward the purchase price.
Closing costs + prepaids$10,277Not just lender fees.
Before credits & paid funds$180,829The complete starting cash picture.
Estimated remaining funds due at closing
$180,829No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,552.29
Your down payment$170,552.29
Closing costs + prepaids$10,276.52
Total buyer cash needed$180,828.81
Remaining funds due$180,828.81
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%)$3,110.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$702.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,036.75
Initial HOA (3 months)$24.99
Prepaid interest, first (22 days)$184.54
Fees + prepaids$10,276.52
Your down payment is the seller’s equity. You take over the $140,448 balance, so the rest of the $311,000 price is paid at closing. A second mortgage can cover part of it. $180,828.81 is due at closing. Uses and sources reconcile at $321,276.52 each. Not a Closing Disclosure.