Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$144,321Cash toward the purchase price.
Closing costs + prepaids$10,080Not just lender fees.
Before credits & paid funds$154,401The complete starting cash picture.
Estimated remaining funds due at closing
$154,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,321.00
Your down payment$144,321.00
Closing costs + prepaids$10,080.29
Total buyer cash needed$154,401.29
Remaining funds due$154,401.29
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%)$3,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$927.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$412.50
Prepaid interest, first (16 days)$222.90
Fees + prepaids$10,080.29
Your down payment is the seller’s equity. You take over the $185,579 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $154,401.29 is due at closing. Uses and sources reconcile at $339,980.29 each. Not a Closing Disclosure.