Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$147,470Cash toward the purchase price.
Closing costs + prepaids$10,347Not just lender fees.
Before credits & paid funds$157,817The complete starting cash picture.
Estimated remaining funds due at closing
$157,817No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,469.83
Your down payment$147,469.83
Closing costs + prepaids$10,347.06
Total buyer cash needed$157,816.90
Remaining funds due$157,816.90
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%)$812.65
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 (23 days)$441.41
Fees + prepaids$10,347.06
Your down payment is the seller’s equity. You take over the $162,530 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $157,816.90 is due at closing. Uses and sources reconcile at $320,347.06 each. Not a Closing Disclosure.