Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$171,192Cash toward the purchase price.
Closing costs + prepaids$11,303Not just lender fees.
Before credits & paid funds$182,495The complete starting cash picture.
Estimated remaining funds due at closing
$182,495No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,192.00
Your down payment$171,192.00
Closing costs + prepaids$11,303.15
Total buyer cash needed$182,495.15
Remaining funds due$182,495.15
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%)$3,199.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$744.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$823.00
Initial HOA (3 months)$771.00
Prepaid interest, first (22 days)$547.12
Fees + prepaids$11,303.15
Your down payment is the seller’s equity. You take over the $148,807 balance, so the rest of the $319,999 price is paid at closing. A second mortgage can cover part of it. $182,495.15 is due at closing. Uses and sources reconcile at $331,302.15 each. Not a Closing Disclosure.