Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$82,295Cash toward the purchase price.
Closing costs + prepaids$10,549Not just lender fees.
Before credits & paid funds$92,844The complete starting cash picture.
Estimated remaining funds due at closing
$92,844No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,294.96
Your down payment$82,294.96
Closing costs + prepaids$10,548.69
Total buyer cash needed$92,843.65
Remaining funds due$92,843.65
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%)$3,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,188.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$413.00
Initial HOA (3 months)$71.01
Prepaid interest, first (23 days)$459.65
Fees + prepaids$10,548.69
Your down payment is the seller’s equity. You take over the $237,605 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $92,843.65 is due at closing. Uses and sources reconcile at $330,448.69 each. Not a Closing Disclosure.