Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$195,355Cash toward the purchase price.
Closing costs + prepaids$10,127Not just lender fees.
Before credits & paid funds$205,482The complete starting cash picture.
Estimated remaining funds due at closing
$205,482No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,354.67
Your down payment$195,354.67
Closing costs + prepaids$10,127.22
Total buyer cash needed$205,481.89
Remaining funds due$205,481.89
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%)$3,199.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$622.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$800.00
Prepaid interest, first (24 days)$286.74
Fees + prepaids$10,127.22
Your down payment is the seller’s equity. You take over the $124,595 balance, so the rest of the $319,950 price is paid at closing. A second mortgage can cover part of it. $205,481.89 is due at closing. Uses and sources reconcile at $330,077.22 each. Not a Closing Disclosure.