Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$167,593Cash toward the purchase price.
Closing costs + prepaids$9,833Not just lender fees.
Before credits & paid funds$177,426The complete starting cash picture.
Estimated remaining funds due at closing
$177,426No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,592.53
Your down payment$167,592.53
Closing costs + prepaids$9,833.38
Total buyer cash needed$177,425.91
Remaining funds due$177,425.91
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%)$3,130.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$727.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$474.50
Prepaid interest, first (19 days)$283.84
Fees + prepaids$9,833.38
Your down payment is the seller’s equity. You take over the $145,407 balance, so the rest of the $313,000 price is paid at closing. A second mortgage can cover part of it. $177,425.91 is due at closing. Uses and sources reconcile at $322,833.38 each. Not a Closing Disclosure.