Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$167,308Cash toward the purchase price.
Closing costs + prepaids$9,656Not just lender fees.
Before credits & paid funds$176,964The complete starting cash picture.
Estimated remaining funds due at closing
$176,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,307.83
Your down payment$167,307.83
Closing costs + prepaids$9,655.96
Total buyer cash needed$176,963.79
Remaining funds due$176,963.79
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%)$3,170.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$748.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$88.75
Prepaid interest, first (27 days)$430.74
Fees + prepaids$9,655.96
Your down payment is the seller’s equity. You take over the $149,692 balance, so the rest of the $317,000 price is paid at closing. A second mortgage can cover part of it. $176,963.79 is due at closing. Uses and sources reconcile at $326,655.96 each. Not a Closing Disclosure.