Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$171,073Cash toward the purchase price.
Closing costs + prepaids$10,768Not just lender fees.
Before credits & paid funds$181,841The complete starting cash picture.
Estimated remaining funds due at closing
$181,841No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,073.03
Your down payment$171,073.03
Closing costs + prepaids$10,768.13
Total buyer cash needed$181,841.17
Remaining funds due$181,841.17
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%)$3,369.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$829.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$842.25
Initial HOA (3 months)$69.24
Prepaid interest, first (24 days)$440.51
Fees + prepaids$10,768.13
Your down payment is the seller’s equity. You take over the $165,827 balance, so the rest of the $336,900 price is paid at closing. A second mortgage can cover part of it. $181,841.17 is due at closing. Uses and sources reconcile at $347,668.13 each. Not a Closing Disclosure.