Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$75,643Cash toward the purchase price.
Closing costs + prepaids$10,816Not just lender fees.
Before credits & paid funds$86,459The complete starting cash picture.
Estimated remaining funds due at closing
$86,459No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,642.66
Your down payment$75,642.66
Closing costs + prepaids$10,816.07
Total buyer cash needed$86,458.73
Remaining funds due$86,458.73
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%)$1,171.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$775.00
Prepaid interest, first (27 days)$551.29
Fees + prepaids$10,816.07
Your down payment is the seller’s equity. You take over the $234,357 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $86,458.73 is due at closing. Uses and sources reconcile at $320,816.07 each. Not a Closing Disclosure.