Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$179,680Cash toward the purchase price.
Closing costs + prepaids$10,098Not just lender fees.
Before credits & paid funds$189,777The complete starting cash picture.
Estimated remaining funds due at closing
$189,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,679.60
Your down payment$179,679.60
Closing costs + prepaids$10,097.56
Total buyer cash needed$189,777.16
Remaining funds due$189,777.16
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%)$3,030.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$616.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$635.00
Initial HOA (3 months)$201.00
Prepaid interest, first (31 days)$396.96
Fees + prepaids$10,097.56
Your down payment is the seller’s equity. You take over the $123,320 balance, so the rest of the $303,000 price is paid at closing. A second mortgage can cover part of it. $189,777.16 is due at closing. Uses and sources reconcile at $313,097.56 each. Not a Closing Disclosure.