Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$156,313Cash toward the purchase price.
Closing costs + prepaids$9,717Not just lender fees.
Before credits & paid funds$166,030The complete starting cash picture.
Estimated remaining funds due at closing
$166,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,312.58
Your down payment$156,312.58
Closing costs + prepaids$9,717.15
Total buyer cash needed$166,029.73
Remaining funds due$166,029.73
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%)$3,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$867.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$306.25
Prepaid interest, first (2 days)$25.97
Fees + prepaids$9,717.15
Your down payment is the seller’s equity. You take over the $173,587 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $166,029.73 is due at closing. Uses and sources reconcile at $339,617.15 each. Not a Closing Disclosure.