Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$145,001Cash toward the purchase price.
Closing costs + prepaids$9,945Not just lender fees.
Before credits & paid funds$154,946The complete starting cash picture.
Estimated remaining funds due at closing
$154,946No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,000.93
Your down payment$145,000.93
Closing costs + prepaids$9,944.76
Total buyer cash needed$154,945.69
Remaining funds due$154,945.69
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%)$3,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$825.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$458.75
Prepaid interest, first (28 days)$343.02
Fees + prepaids$9,944.76
Your down payment is the seller’s equity. You take over the $164,999 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $154,945.69 is due at closing. Uses and sources reconcile at $319,944.76 each. Not a Closing Disclosure.