Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$159,442Cash toward the purchase price.
Closing costs + prepaids$10,677Not just lender fees.
Before credits & paid funds$170,120The complete starting cash picture.
Estimated remaining funds due at closing
$170,120No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,442.39
Your down payment$159,442.39
Closing costs + prepaids$10,677.13
Total buyer cash needed$170,119.52
Remaining funds due$170,119.52
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%)$3,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$752.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$444.00
Initial HOA (3 months)$825.00
Prepaid interest, first (30 days)$338.84
Fees + prepaids$10,677.13
Your down payment is the seller’s equity. You take over the $150,458 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $170,119.52 is due at closing. Uses and sources reconcile at $320,577.13 each. Not a Closing Disclosure.