Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$91,219Cash toward the purchase price.
Closing costs + prepaids$10,687Not just lender fees.
Before credits & paid funds$101,907The complete starting cash picture.
Estimated remaining funds due at closing
$101,907No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,219.42
Your down payment$91,219.42
Closing costs + prepaids$10,687.19
Total buyer cash needed$101,906.61
Remaining funds due$101,906.61
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%)$3,135.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,111.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$783.75
Initial HOA (3 months)$31.26
Prepaid interest, first (24 days)$407.78
Fees + prepaids$10,687.19
Your down payment is the seller’s equity. You take over the $222,281 balance, so the rest of the $313,500 price is paid at closing. A second mortgage can cover part of it. $101,906.61 is due at closing. Uses and sources reconcile at $324,187.19 each. Not a Closing Disclosure.