Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$136,952Cash toward the purchase price.
Closing costs + prepaids$10,237Not just lender fees.
Before credits & paid funds$147,189The complete starting cash picture.
Estimated remaining funds due at closing
$147,189No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,952.28
Your down payment$136,952.28
Closing costs + prepaids$10,236.97
Total buyer cash needed$147,189.25
Remaining funds due$147,189.25
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%)$3,075.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$852.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$488.75
Initial HOA (3 months)$324.00
Prepaid interest, first (20 days)$278.48
Fees + prepaids$10,236.97
Your down payment is the seller’s equity. You take over the $170,548 balance, so the rest of the $307,500 price is paid at closing. A second mortgage can cover part of it. $147,189.25 is due at closing. Uses and sources reconcile at $317,736.97 each. Not a Closing Disclosure.