Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$180,706Cash toward the purchase price.
Closing costs + prepaids$10,487Not just lender fees.
Before credits & paid funds$191,194The complete starting cash picture.
Estimated remaining funds due at closing
$191,194No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,706.39
Your down payment$180,706.39
Closing costs + prepaids$10,487.17
Total buyer cash needed$191,193.57
Remaining funds due$191,193.57
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%)$745.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$899.25
Prepaid interest, first (25 days)$324.96
Fees + prepaids$10,487.17
Your down payment is the seller’s equity. You take over the $149,194 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $191,193.57 is due at closing. Uses and sources reconcile at $340,387.17 each. Not a Closing Disclosure.