Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$143,004Cash toward the purchase price.
Closing costs + prepaids$10,166Not just lender fees.
Before credits & paid funds$153,170The complete starting cash picture.
Estimated remaining funds due at closing
$153,170No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,004.08
Your down payment$143,004.08
Closing costs + prepaids$10,165.81
Total buyer cash needed$153,169.89
Remaining funds due$153,169.89
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%)$884.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$559.00
Prepaid interest, first (28 days)$305.33
Fees + prepaids$10,165.81
Your down payment is the seller’s equity. You take over the $176,896 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $153,169.89 is due at closing. Uses and sources reconcile at $330,065.81 each. Not a Closing Disclosure.