Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$154,661Cash toward the purchase price.
Closing costs + prepaids$10,904Not just lender fees.
Before credits & paid funds$165,565The complete starting cash picture.
Estimated remaining funds due at closing
$165,565No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,660.76
Your down payment$154,660.76
Closing costs + prepaids$10,904.36
Total buyer cash needed$165,565.12
Remaining funds due$165,565.12
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%)$3,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$896.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$835.00
Prepaid interest, first (30 days)$614.67
Fees + prepaids$10,904.36
Your down payment is the seller’s equity. You take over the $179,339 balance, so the rest of the $334,000 price is paid at closing. A second mortgage can cover part of it. $165,565.12 is due at closing. Uses and sources reconcile at $344,904.36 each. Not a Closing Disclosure.