Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$171,671Cash toward the purchase price.
Closing costs + prepaids$10,381Not just lender fees.
Before credits & paid funds$182,051The complete starting cash picture.
Estimated remaining funds due at closing
$182,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,670.63
Your down payment$171,670.63
Closing costs + prepaids$10,380.60
Total buyer cash needed$182,051.23
Remaining funds due$182,051.23
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%)$3,237.77
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$760.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$267.75
Initial HOA (3 months)$885.00
Prepaid interest, first (1 days)$11.54
Fees + prepaids$10,380.60
Your down payment is the seller’s equity. You take over the $152,106 balance, so the rest of the $323,777 price is paid at closing. A second mortgage can cover part of it. $182,051.23 is due at closing. Uses and sources reconcile at $334,157.60 each. Not a Closing Disclosure.