Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$149,631Cash toward the purchase price.
Closing costs + prepaids$10,227Not just lender fees.
Before credits & paid funds$159,858The complete starting cash picture.
Estimated remaining funds due at closing
$159,858No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,630.97
Your down payment$149,630.97
Closing costs + prepaids$10,227.13
Total buyer cash needed$159,858.10
Remaining funds due$159,858.10
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%)$3,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$896.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$793.00
Prepaid interest, first (2 days)$29.29
Fees + prepaids$10,227.13
Your down payment is the seller’s equity. You take over the $179,369 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $159,858.10 is due at closing. Uses and sources reconcile at $339,227.13 each. Not a Closing Disclosure.