Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$114,668Cash toward the purchase price.
Closing costs + prepaids$10,543Not just lender fees.
Before credits & paid funds$125,211The complete starting cash picture.
Estimated remaining funds due at closing
$125,211No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,667.79
Your down payment$114,667.79
Closing costs + prepaids$10,543.08
Total buyer cash needed$125,210.87
Remaining funds due$125,210.87
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%)$976.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$926.25
Prepaid interest, first (28 days)$322.16
Fees + prepaids$10,543.08
Your down payment is the seller’s equity. You take over the $195,332 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $125,210.87 is due at closing. Uses and sources reconcile at $320,543.08 each. Not a Closing Disclosure.