Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$178,123Cash toward the purchase price.
Closing costs + prepaids$9,681Not just lender fees.
Before credits & paid funds$187,804The complete starting cash picture.
Estimated remaining funds due at closing
$187,804No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,123.24
Your down payment$178,123.24
Closing costs + prepaids$9,680.81
Total buyer cash needed$187,804.05
Remaining funds due$187,804.05
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%)$3,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$684.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$393.75
Prepaid interest, first (14 days)$234.68
Fees + prepaids$9,680.81
Your down payment is the seller’s equity. You take over the $136,877 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $187,804.05 is due at closing. Uses and sources reconcile at $324,680.81 each. Not a Closing Disclosure.