Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$67,668Cash toward the purchase price.
Closing costs + prepaids$10,919Not just lender fees.
Before credits & paid funds$78,588The complete starting cash picture.
Estimated remaining funds due at closing
$78,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,668.21
Your down payment$67,668.21
Closing costs + prepaids$10,919.38
Total buyer cash needed$78,587.58
Remaining funds due$78,587.58
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%)$3,195.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,259.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$798.75
Prepaid interest, first (26 days)$448.47
Fees + prepaids$10,919.38
Your down payment is the seller’s equity. You take over the $251,832 balance, so the rest of the $319,500 price is paid at closing. A second mortgage can cover part of it. $78,587.58 is due at closing. Uses and sources reconcile at $330,419.38 each. Not a Closing Disclosure.