Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$141,034Cash toward the purchase price.
Closing costs + prepaids$10,514Not just lender fees.
Before credits & paid funds$151,548The complete starting cash picture.
Estimated remaining funds due at closing
$151,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,033.90
Your down payment$141,033.90
Closing costs + prepaids$10,514.31
Total buyer cash needed$151,548.21
Remaining funds due$151,548.21
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%)$3,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$919.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$419.25
Initial HOA (3 months)$234.00
Prepaid interest, first (31 days)$474.73
Fees + prepaids$10,514.31
Your down payment is the seller’s equity. You take over the $183,866 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $151,548.21 is due at closing. Uses and sources reconcile at $335,414.31 each. Not a Closing Disclosure.