Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$167,353Cash toward the purchase price.
Closing costs + prepaids$9,922Not just lender fees.
Before credits & paid funds$177,276The complete starting cash picture.
Estimated remaining funds due at closing
$177,276No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,353.21
Your down payment$167,353.21
Closing costs + prepaids$9,922.40
Total buyer cash needed$177,275.61
Remaining funds due$177,275.61
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%)$738.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$378.00
Initial HOA (3 months)$294.00
Prepaid interest, first (9 days)$144.17
Fees + prepaids$9,922.40
Your down payment is the seller’s equity. You take over the $147,647 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $177,275.61 is due at closing. Uses and sources reconcile at $324,922.40 each. Not a Closing Disclosure.