Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$176,079Cash toward the purchase price.
Closing costs + prepaids$10,049Not just lender fees.
Before credits & paid funds$186,128The complete starting cash picture.
Estimated remaining funds due at closing
$186,128No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,078.86
Your down payment$176,078.86
Closing costs + prepaids$10,049.14
Total buyer cash needed$186,128.00
Remaining funds due$186,128.00
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%)$3,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$744.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$550.75
Prepaid interest, first (26 days)$287.29
Fees + prepaids$10,049.14
Your down payment is the seller’s equity. You take over the $148,821 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $186,128.00 is due at closing. Uses and sources reconcile at $334,949.14 each. Not a Closing Disclosure.