Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$168,009Cash toward the purchase price.
Closing costs + prepaids$10,062Not just lender fees.
Before credits & paid funds$178,071The complete starting cash picture.
Estimated remaining funds due at closing
$178,071No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,009.07
Your down payment$168,009.07
Closing costs + prepaids$10,061.58
Total buyer cash needed$178,070.65
Remaining funds due$178,070.65
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%)$722.45
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 (2 days)$29.37
Fees + prepaids$10,061.58
Your down payment is the seller’s equity. You take over the $144,491 balance, so the rest of the $312,500 price is paid at closing. A second mortgage can cover part of it. $178,070.65 is due at closing. Uses and sources reconcile at $322,561.58 each. Not a Closing Disclosure.