Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$136,952Cash toward the purchase price.
Closing costs + prepaids$9,964Not just lender fees.
Before credits & paid funds$146,916The complete starting cash picture.
Estimated remaining funds due at closing
$146,916No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,952.28
Your down payment$136,952.28
Closing costs + prepaids$9,964.06
Total buyer cash needed$146,916.34
Remaining funds due$146,916.34
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%)$3,075.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$852.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$369.00
Initial HOA (3 months)$324.00
Prepaid interest, first (9 days)$125.32
Fees + prepaids$9,964.06
Your down payment is the seller’s equity. You take over the $170,548 balance, so the rest of the $307,500 price is paid at closing. A second mortgage can cover part of it. $146,916.34 is due at closing. Uses and sources reconcile at $317,464.06 each. Not a Closing Disclosure.