Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$145,212Cash toward the purchase price.
Closing costs + prepaids$9,977Not just lender fees.
Before credits & paid funds$155,189The complete starting cash picture.
Estimated remaining funds due at closing
$155,189No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,211.83
Your down payment$145,211.83
Closing costs + prepaids$9,977.38
Total buyer cash needed$155,189.20
Remaining funds due$155,189.20
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%)$3,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$868.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$231.00
Initial HOA (3 months)$50.01
Prepaid interest, first (23 days)$419.42
Fees + prepaids$9,977.38
Your down payment is the seller’s equity. You take over the $173,788 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $155,189.20 is due at closing. Uses and sources reconcile at $328,977.38 each. Not a Closing Disclosure.