Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$129,297Cash toward the purchase price.
Closing costs + prepaids$11,703Not just lender fees.
Before credits & paid funds$140,999The complete starting cash picture.
Estimated remaining funds due at closing
$140,999No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,296.51
Your down payment$129,296.51
Closing costs + prepaids$11,702.55
Total buyer cash needed$140,999.06
Remaining funds due$140,999.06
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%)$3,125.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$916.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,057.25
Prepaid interest, first (26 days)$386.28
Fees + prepaids$11,702.55
Your down payment is the seller’s equity. You take over the $183,203 balance, so the rest of the $312,500 price is paid at closing. A second mortgage can cover part of it. $140,999.06 is due at closing. Uses and sources reconcile at $324,202.55 each. Not a Closing Disclosure.