Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$136,894Cash toward the purchase price.
Closing costs + prepaids$11,797Not just lender fees.
Before credits & paid funds$148,691The complete starting cash picture.
Estimated remaining funds due at closing
$148,691No 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$11,796.54
Total buyer cash needed$148,690.56
Remaining funds due$148,690.56
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)$225.25
Initial HOA (3 months)$1,956.00
Prepaid interest, first (31 days)$476.76
Fees + prepaids$11,796.54
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. $148,690.56 is due at closing. Uses and sources reconcile at $318,796.54 each. Not a Closing Disclosure.