Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$173,788Cash toward the purchase price.
Closing costs + prepaids$9,528Not just lender fees.
Before credits & paid funds$183,316The complete starting cash picture.
Estimated remaining funds due at closing
$183,316No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,787.74
Your down payment$173,787.74
Closing costs + prepaids$9,527.96
Total buyer cash needed$183,315.70
Remaining funds due$183,315.70
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%)$3,399.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$831.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$53.50
Prepaid interest, first (2 days)$25.41
Fees + prepaids$9,527.96
Your down payment is the seller’s equity. You take over the $166,211 balance, so the rest of the $339,999 price is paid at closing. A second mortgage can cover part of it. $183,315.70 is due at closing. Uses and sources reconcile at $349,526.96 each. Not a Closing Disclosure.