Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$176,645Cash toward the purchase price.
Closing costs + prepaids$9,531Not just lender fees.
Before credits & paid funds$186,176The complete starting cash picture.
Estimated remaining funds due at closing
$186,176No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,644.97
Your down payment$176,644.97
Closing costs + prepaids$9,531.13
Total buyer cash needed$186,176.10
Remaining funds due$186,176.10
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%)$3,075.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$654.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$564.50
Prepaid interest, first (2 days)$19.36
Fees + prepaids$9,531.13
Your down payment is the seller’s equity. You take over the $130,855 balance, so the rest of the $307,500 price is paid at closing. A second mortgage can cover part of it. $186,176.10 is due at closing. Uses and sources reconcile at $317,031.13 each. Not a Closing Disclosure.