Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$149,453Cash toward the purchase price.
Closing costs + prepaids$10,599Not just lender fees.
Before credits & paid funds$160,052The complete starting cash picture.
Estimated remaining funds due at closing
$160,052No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,453.08
Your down payment$149,453.08
Closing costs + prepaids$10,598.70
Total buyer cash needed$160,051.78
Remaining funds due$160,051.78
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%)$3,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$902.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$824.75
Prepaid interest, first (25 days)$354.71
Fees + prepaids$10,598.70
Your down payment is the seller’s equity. You take over the $180,447 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $160,051.78 is due at closing. Uses and sources reconcile at $340,498.70 each. Not a Closing Disclosure.