Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$135,506Cash toward the purchase price.
Closing costs + prepaids$10,263Not just lender fees.
Before credits & paid funds$145,770The complete starting cash picture.
Estimated remaining funds due at closing
$145,770No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,506.07
Your down payment$135,506.07
Closing costs + prepaids$10,263.47
Total buyer cash needed$145,769.53
Remaining funds due$145,769.53
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%)$3,180.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$912.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$381.50
Initial HOA (3 months)$441.00
Prepaid interest, first (9 days)$130.50
Fees + prepaids$10,263.47
Your down payment is the seller’s equity. You take over the $182,494 balance, so the rest of the $318,000 price is paid at closing. A second mortgage can cover part of it. $145,769.53 is due at closing. Uses and sources reconcile at $328,263.47 each. Not a Closing Disclosure.