Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$173,415Cash toward the purchase price.
Closing costs + prepaids$9,923Not just lender fees.
Before credits & paid funds$183,337The complete starting cash picture.
Estimated remaining funds due at closing
$183,337No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,414.70
Your down payment$173,414.70
Closing costs + prepaids$9,922.62
Total buyer cash needed$183,337.31
Remaining funds due$183,337.31
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%)$3,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$707.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$523.25
Initial HOA (3 months)$12.51
Prepaid interest, first (26 days)$312.43
Fees + prepaids$9,922.62
Your down payment is the seller’s equity. You take over the $141,485 balance, so the rest of the $314,900 price is paid at closing. A second mortgage can cover part of it. $183,337.31 is due at closing. Uses and sources reconcile at $324,822.62 each. Not a Closing Disclosure.