Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$136,894Cash toward the purchase price.
Closing costs + prepaids$11,617Not just lender fees.
Before credits & paid funds$148,511The complete starting cash picture.
Estimated remaining funds due at closing
$148,511No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,894.02
Your down payment$136,894.02
Closing costs + prepaids$11,616.82
Total buyer cash needed$148,510.84
Remaining funds due$148,510.84
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%)$3,070.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$850.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$368.50
Initial HOA (3 months)$1,956.00
Prepaid interest, first (10 days)$153.79
Fees + prepaids$11,616.82
Your down payment is the seller’s equity. You take over the $170,106 balance, so the rest of the $307,000 price is paid at closing. A second mortgage can cover part of it. $148,510.84 is due at closing. Uses and sources reconcile at $318,616.82 each. Not a Closing Disclosure.