Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$171,643Cash toward the purchase price.
Closing costs + prepaids$10,394Not just lender fees.
Before credits & paid funds$182,037The complete starting cash picture.
Estimated remaining funds due at closing
$182,037No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,642.90
Your down payment$171,642.90
Closing costs + prepaids$10,394.45
Total buyer cash needed$182,037.35
Remaining funds due$182,037.35
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%)$3,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$736.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$797.50
Prepaid interest, first (28 days)$452.16
Fees + prepaids$10,394.45
Your down payment is the seller’s equity. You take over the $147,357 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $182,037.35 is due at closing. Uses and sources reconcile at $329,394.45 each. Not a Closing Disclosure.