Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$168,428Cash toward the purchase price.
Closing costs + prepaids$10,484Not just lender fees.
Before credits & paid funds$178,912The complete starting cash picture.
Estimated remaining funds due at closing
$178,912No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,428.29
Your down payment$168,428.29
Closing costs + prepaids$10,484.07
Total buyer cash needed$178,912.36
Remaining funds due$178,912.36
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%)$3,125.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$720.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$525.75
Initial HOA (3 months)$441.00
Prepaid interest, first (31 days)$453.96
Fees + prepaids$10,484.07
Your down payment is the seller’s equity. You take over the $144,072 balance, so the rest of the $312,500 price is paid at closing. A second mortgage can cover part of it. $178,912.36 is due at closing. Uses and sources reconcile at $322,984.07 each. Not a Closing Disclosure.