Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$163,831Cash toward the purchase price.
Closing costs + prepaids$9,436Not just lender fees.
Before credits & paid funds$173,267The complete starting cash picture.
Estimated remaining funds due at closing
$173,267No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,830.81
Your down payment$163,830.81
Closing costs + prepaids$9,436.36
Total buyer cash needed$173,267.17
Remaining funds due$173,267.17
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%)$3,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$755.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (27 days)$314.02
Fees + prepaids$9,436.36
Your down payment is the seller’s equity. You take over the $151,069 balance, so the rest of the $314,900 price is paid at closing. A second mortgage can cover part of it. $173,267.17 is due at closing. Uses and sources reconcile at $324,336.36 each. Not a Closing Disclosure.