Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$148,347Cash toward the purchase price.
Closing costs + prepaids$9,918Not just lender fees.
Before credits & paid funds$158,266The complete starting cash picture.
Estimated remaining funds due at closing
$158,266No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,347.19
Your down payment$148,347.19
Closing costs + prepaids$9,918.31
Total buyer cash needed$158,265.50
Remaining funds due$158,265.50
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%)$3,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$807.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$387.50
Initial HOA (3 months)$84.00
Prepaid interest, first (17 days)$322.04
Fees + prepaids$9,918.31
Your down payment is the seller’s equity. You take over the $161,553 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $158,265.50 is due at closing. Uses and sources reconcile at $319,818.31 each. Not a Closing Disclosure.