Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$152,572Cash toward the purchase price.
Closing costs + prepaids$10,210Not just lender fees.
Before credits & paid funds$162,783The complete starting cash picture.
Estimated remaining funds due at closing
$162,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,572.46
Your down payment$152,572.46
Closing costs + prepaids$10,210.16
Total buyer cash needed$162,782.61
Remaining funds due$162,782.61
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%)$3,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$787.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,010.75
Initial HOA (3 months)$63.99
Prepaid interest, first (2 days)$30.28
Fees + prepaids$10,210.16
Your down payment is the seller’s equity. You take over the $157,428 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $162,782.61 is due at closing. Uses and sources reconcile at $320,210.16 each. Not a Closing Disclosure.