Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$132,378Cash toward the purchase price.
Closing costs + prepaids$9,774Not just lender fees.
Before credits & paid funds$142,152The complete starting cash picture.
Estimated remaining funds due at closing
$142,152No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,377.72
Your down payment$132,377.72
Closing costs + prepaids$9,773.93
Total buyer cash needed$142,151.65
Remaining funds due$142,151.65
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%)$3,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$863.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$381.25
Initial HOA (3 months)$54.99
Prepaid interest, first (16 days)$206.58
Fees + prepaids$9,773.93
Your down payment is the seller’s equity. You take over the $172,622 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $142,151.65 is due at closing. Uses and sources reconcile at $314,773.93 each. Not a Closing Disclosure.