Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$191,136Cash toward the purchase price.
Closing costs + prepaids$11,151Not just lender fees.
Before credits & paid funds$202,287The complete starting cash picture.
Estimated remaining funds due at closing
$202,287No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,136.12
Your down payment$191,136.12
Closing costs + prepaids$11,150.90
Total buyer cash needed$202,287.02
Remaining funds due$202,287.02
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%)$3,180.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$634.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,112.50
Initial HOA (3 months)$642.00
Prepaid interest, first (25 days)$364.08
Fees + prepaids$11,150.90
Your down payment is the seller’s equity. You take over the $126,864 balance, so the rest of the $318,000 price is paid at closing. A second mortgage can cover part of it. $202,287.02 is due at closing. Uses and sources reconcile at $329,150.90 each. Not a Closing Disclosure.