Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$175,793Cash toward the purchase price.
Closing costs + prepaids$9,911Not just lender fees.
Before credits & paid funds$185,704The complete starting cash picture.
Estimated remaining funds due at closing
$185,704No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,793.13
Your down payment$175,793.13
Closing costs + prepaids$9,911.18
Total buyer cash needed$185,704.31
Remaining funds due$185,704.31
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%)$3,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$770.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$117.50
Prepaid interest, first (27 days)$506.15
Fees + prepaids$9,911.18
Your down payment is the seller’s equity. You take over the $154,107 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $185,704.31 is due at closing. Uses and sources reconcile at $339,811.18 each. Not a Closing Disclosure.