Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$174,908Cash toward the purchase price.
Closing costs + prepaids$10,487Not just lender fees.
Before credits & paid funds$185,396The complete starting cash picture.
Estimated remaining funds due at closing
$185,396No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,908.49
Your down payment$174,908.49
Closing costs + prepaids$10,487.45
Total buyer cash needed$185,395.94
Remaining funds due$185,395.94
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%)$3,175.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$712.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$695.00
Initial HOA (3 months)$222.00
Prepaid interest, first (29 days)$464.50
Fees + prepaids$10,487.45
Your down payment is the seller’s equity. You take over the $142,592 balance, so the rest of the $317,500 price is paid at closing. A second mortgage can cover part of it. $185,395.94 is due at closing. Uses and sources reconcile at $327,987.45 each. Not a Closing Disclosure.