Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$144,650Cash toward the purchase price.
Closing costs + prepaids$10,566Not just lender fees.
Before credits & paid funds$155,216The complete starting cash picture.
Estimated remaining funds due at closing
$155,216No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,649.79
Your down payment$144,649.79
Closing costs + prepaids$10,565.75
Total buyer cash needed$155,215.54
Remaining funds due$155,215.54
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%)$3,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$821.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$523.25
Prepaid interest, first (29 days)$912.75
Fees + prepaids$10,565.75
Your down payment is the seller’s equity. You take over the $164,350 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $155,215.54 is due at closing. Uses and sources reconcile at $319,565.75 each. Not a Closing Disclosure.