Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$180,743Cash toward the purchase price.
Closing costs + prepaids$11,322Not just lender fees.
Before credits & paid funds$192,065The complete starting cash picture.
Estimated remaining funds due at closing
$192,065No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,743.14
Your down payment$180,743.14
Closing costs + prepaids$11,321.66
Total buyer cash needed$192,064.80
Remaining funds due$192,064.80
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%)$745.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$708.00
Initial HOA (3 months)$720.00
Prepaid interest, first (31 days)$630.87
Fees + prepaids$11,321.66
Your down payment is the seller’s equity. You take over the $149,157 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $192,064.80 is due at closing. Uses and sources reconcile at $341,221.66 each. Not a Closing Disclosure.