Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$144,793Cash toward the purchase price.
Closing costs + prepaids$10,500Not just lender fees.
Before credits & paid funds$155,294The complete starting cash picture.
Estimated remaining funds due at closing
$155,294No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,793.19
Your down payment$144,793.19
Closing costs + prepaids$10,500.41
Total buyer cash needed$155,293.60
Remaining funds due$155,293.60
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%)$3,320.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$936.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$375.00
Initial HOA (3 months)$171.00
Prepaid interest, first (21 days)$480.38
Fees + prepaids$10,500.41
Your down payment is the seller’s equity. You take over the $187,207 balance, so the rest of the $332,000 price is paid at closing. A second mortgage can cover part of it. $155,293.60 is due at closing. Uses and sources reconcile at $342,500.41 each. Not a Closing Disclosure.