Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$171,855Cash toward the purchase price.
Closing costs + prepaids$10,247Not just lender fees.
Before credits & paid funds$182,102The complete starting cash picture.
Estimated remaining funds due at closing
$182,102No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,854.74
Your down payment$171,854.74
Closing costs + prepaids$10,246.99
Total buyer cash needed$182,101.72
Remaining funds due$182,101.72
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%)$3,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$785.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$181.75
Initial HOA (3 months)$453.00
Prepaid interest, first (27 days)$318.51
Fees + prepaids$10,246.99
Your down payment is the seller’s equity. You take over the $157,145 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $182,101.72 is due at closing. Uses and sources reconcile at $339,246.99 each. Not a Closing Disclosure.