Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$147,199Cash toward the purchase price.
Closing costs + prepaids$10,865Not just lender fees.
Before credits & paid funds$158,064The complete starting cash picture.
Estimated remaining funds due at closing
$158,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,199.21
Your down payment$147,199.21
Closing costs + prepaids$10,864.60
Total buyer cash needed$158,063.81
Remaining funds due$158,063.81
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%)$3,099.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$814.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$775.00
Initial HOA (3 months)$561.00
Prepaid interest, first (26 days)$396.61
Fees + prepaids$10,864.60
Your down payment is the seller’s equity. You take over the $162,800 balance, so the rest of the $309,999 price is paid at closing. A second mortgage can cover part of it. $158,063.81 is due at closing. Uses and sources reconcile at $320,863.60 each. Not a Closing Disclosure.