Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$161,224Cash toward the purchase price.
Closing costs + prepaids$11,369Not just lender fees.
Before credits & paid funds$172,593The complete starting cash picture.
Estimated remaining funds due at closing
$172,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,224.03
Your down payment$161,224.03
Closing costs + prepaids$11,369.00
Total buyer cash needed$172,593.03
Remaining funds due$172,593.03
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%)$843.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$840.75
Initial HOA (3 months)$849.00
Prepaid interest, first (23 days)$318.87
Fees + prepaids$11,369.00
Your down payment is the seller’s equity. You take over the $168,676 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $172,593.03 is due at closing. Uses and sources reconcile at $341,269.00 each. Not a Closing Disclosure.