Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$115,918Cash toward the purchase price.
Closing costs + prepaids$10,999Not just lender fees.
Before credits & paid funds$126,917The complete starting cash picture.
Estimated remaining funds due at closing
$126,917No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,918.02
Your down payment$115,918.02
Closing costs + prepaids$10,998.58
Total buyer cash needed$126,916.60
Remaining funds due$126,916.60
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%)$3,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,015.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$797.50
Initial HOA (3 months)$99.99
Prepaid interest, first (29 days)$677.68
Fees + prepaids$10,998.58
Your down payment is the seller’s equity. You take over the $203,082 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $126,916.60 is due at closing. Uses and sources reconcile at $329,998.58 each. Not a Closing Disclosure.