Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$166,763Cash toward the purchase price.
Closing costs + prepaids$9,978Not just lender fees.
Before credits & paid funds$176,741The complete starting cash picture.
Estimated remaining funds due at closing
$176,741No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,762.93
Your down payment$166,762.93
Closing costs + prepaids$9,978.38
Total buyer cash needed$176,741.31
Remaining funds due$176,741.31
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%)$3,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$740.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$803.00
Prepaid interest, first (4 days)$67.70
Fees + prepaids$9,978.38
Your down payment is the seller’s equity. You take over the $148,137 balance, so the rest of the $314,900 price is paid at closing. A second mortgage can cover part of it. $176,741.31 is due at closing. Uses and sources reconcile at $324,878.38 each. Not a Closing Disclosure.