Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$136,860Cash toward the purchase price.
Closing costs + prepaids$10,196Not just lender fees.
Before credits & paid funds$147,056The complete starting cash picture.
Estimated remaining funds due at closing
$147,056No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,859.71
Your down payment$136,859.71
Closing costs + prepaids$10,196.05
Total buyer cash needed$147,055.75
Remaining funds due$147,055.75
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%)$3,169.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$900.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$613.00
Initial HOA (3 months)$31.26
Prepaid interest, first (18 days)$264.59
Fees + prepaids$10,196.05
Your down payment is the seller’s equity. You take over the $180,040 balance, so the rest of the $316,900 price is paid at closing. A second mortgage can cover part of it. $147,055.75 is due at closing. Uses and sources reconcile at $327,096.05 each. Not a Closing Disclosure.