Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$157,203Cash toward the purchase price.
Closing costs + prepaids$10,996Not just lender fees.
Before credits & paid funds$168,200The complete starting cash picture.
Estimated remaining funds due at closing
$168,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,203.50
Your down payment$157,203.50
Closing costs + prepaids$10,996.44
Total buyer cash needed$168,199.94
Remaining funds due$168,199.94
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%)$3,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$788.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$52.25
Initial HOA (3 months)$939.00
Prepaid interest, first (30 days)$848.21
Fees + prepaids$10,996.44
Your down payment is the seller’s equity. You take over the $157,797 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $168,199.94 is due at closing. Uses and sources reconcile at $325,996.44 each. Not a Closing Disclosure.