Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$172,732Cash toward the purchase price.
Closing costs + prepaids$12,847Not just lender fees.
Before credits & paid funds$185,580The complete starting cash picture.
Estimated remaining funds due at closing
$185,580No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,732.45
Your down payment$172,732.45
Closing costs + prepaids$12,847.07
Total buyer cash needed$185,579.51
Remaining funds due$185,579.51
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%)$781.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,162.00
Initial HOA (3 months)$1,995.00
Prepaid interest, first (30 days)$400.73
Fees + prepaids$12,847.07
Your down payment is the seller’s equity. You take over the $156,268 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $185,579.51 is due at closing. Uses and sources reconcile at $341,847.07 each. Not a Closing Disclosure.