Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$135,066Cash toward the purchase price.
Closing costs + prepaids$10,160Not just lender fees.
Before credits & paid funds$145,226The complete starting cash picture.
Estimated remaining funds due at closing
$145,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,065.75
Your down payment$135,065.75
Closing costs + prepaids$10,159.99
Total buyer cash needed$145,225.74
Remaining funds due$145,225.74
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%)$914.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$377.25
Initial HOA (3 months)$441.00
Prepaid interest, first (2 days)$29.07
Fees + prepaids$10,159.99
Your down payment is the seller’s equity. You take over the $182,934 balance, so the rest of the $318,000 price is paid at closing. A second mortgage can cover part of it. $145,225.74 is due at closing. Uses and sources reconcile at $328,159.99 each. Not a Closing Disclosure.