Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$150,328Cash toward the purchase price.
Closing costs + prepaids$9,997Not just lender fees.
Before credits & paid funds$160,325The complete starting cash picture.
Estimated remaining funds due at closing
$160,325No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,327.58
Your down payment$150,327.58
Closing costs + prepaids$9,997.10
Total buyer cash needed$160,324.69
Remaining funds due$160,324.69
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%)$3,220.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$858.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$402.50
Prepaid interest, first (17 days)$298.24
Fees + prepaids$9,997.10
Your down payment is the seller’s equity. You take over the $171,672 balance, so the rest of the $322,000 price is paid at closing. A second mortgage can cover part of it. $160,324.69 is due at closing. Uses and sources reconcile at $331,997.10 each. Not a Closing Disclosure.