Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$165,241Cash toward the purchase price.
Closing costs + prepaids$9,996Not just lender fees.
Before credits & paid funds$175,237The complete starting cash picture.
Estimated remaining funds due at closing
$175,237No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,241.10
Your down payment$165,241.10
Closing costs + prepaids$9,995.58
Total buyer cash needed$175,236.68
Remaining funds due$175,236.68
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%)$3,275.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$811.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$405.00
Prepaid interest, first (23 days)$286.29
Fees + prepaids$9,995.58
Your down payment is the seller’s equity. You take over the $162,259 balance, so the rest of the $327,500 price is paid at closing. A second mortgage can cover part of it. $175,236.68 is due at closing. Uses and sources reconcile at $337,495.58 each. Not a Closing Disclosure.