Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$168,745Cash toward the purchase price.
Closing costs + prepaids$10,889Not just lender fees.
Before credits & paid funds$179,635The complete starting cash picture.
Estimated remaining funds due at closing
$179,635No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,745.35
Your down payment$168,745.35
Closing costs + prepaids$10,889.36
Total buyer cash needed$179,634.71
Remaining funds due$179,634.71
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%)$3,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$826.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$835.00
Initial HOA (3 months)$234.00
Prepaid interest, first (28 days)$436.09
Fees + prepaids$10,889.36
Your down payment is the seller’s equity. You take over the $165,255 balance, so the rest of the $334,000 price is paid at closing. A second mortgage can cover part of it. $179,634.71 is due at closing. Uses and sources reconcile at $344,889.36 each. Not a Closing Disclosure.