Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$179,756Cash toward the purchase price.
Closing costs + prepaids$10,070Not just lender fees.
Before credits & paid funds$189,826The complete starting cash picture.
Estimated remaining funds due at closing
$189,826No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,755.60
Your down payment$179,755.60
Closing costs + prepaids$10,070.47
Total buyer cash needed$189,826.06
Remaining funds due$189,826.06
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%)$3,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$725.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$588.25
Prepaid interest, first (26 days)$289.49
Fees + prepaids$10,070.47
Your down payment is the seller’s equity. You take over the $145,144 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $189,826.06 is due at closing. Uses and sources reconcile at $334,970.47 each. Not a Closing Disclosure.