Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$136,635Cash toward the purchase price.
Closing costs + prepaids$10,096Not just lender fees.
Before credits & paid funds$146,731The complete starting cash picture.
Estimated remaining funds due at closing
$146,731No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,635.06
Your down payment$136,635.06
Closing costs + prepaids$10,095.57
Total buyer cash needed$146,730.62
Remaining funds due$146,730.62
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%)$3,279.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$956.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$410.00
Prepaid interest, first (16 days)$232.24
Fees + prepaids$10,095.57
Your down payment is the seller’s equity. You take over the $191,265 balance, so the rest of the $327,900 price is paid at closing. A second mortgage can cover part of it. $146,730.62 is due at closing. Uses and sources reconcile at $337,995.57 each. Not a Closing Disclosure.