Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$127,706Cash toward the purchase price.
Closing costs + prepaids$10,561Not just lender fees.
Before credits & paid funds$138,268The complete starting cash picture.
Estimated remaining funds due at closing
$138,268No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,706.27
Your down payment$127,706.27
Closing costs + prepaids$10,561.29
Total buyer cash needed$138,267.57
Remaining funds due$138,267.57
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%)$3,180.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$951.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,179.50
Prepaid interest, first (2 days)$32.32
Fees + prepaids$10,561.29
Your down payment is the seller’s equity. You take over the $190,294 balance, so the rest of the $318,000 price is paid at closing. A second mortgage can cover part of it. $138,267.57 is due at closing. Uses and sources reconcile at $328,561.29 each. Not a Closing Disclosure.