Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$165,015Cash toward the purchase price.
Closing costs + prepaids$10,531Not just lender fees.
Before credits & paid funds$175,546The complete starting cash picture.
Estimated remaining funds due at closing
$175,546No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,014.99
Your down payment$165,014.99
Closing costs + prepaids$10,531.34
Total buyer cash needed$175,546.33
Remaining funds due$175,546.33
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%)$3,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$774.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$799.75
Initial HOA (3 months)$75.00
Prepaid interest, first (27 days)$465.16
Fees + prepaids$10,531.34
Your down payment is the seller’s equity. You take over the $154,885 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $175,546.33 is due at closing. Uses and sources reconcile at $330,431.34 each. Not a Closing Disclosure.