Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$109,986Cash toward the purchase price.
Closing costs + prepaids$10,693Not just lender fees.
Before credits & paid funds$120,680The complete starting cash picture.
Estimated remaining funds due at closing
$120,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,986.43
Your down payment$109,986.43
Closing costs + prepaids$10,693.33
Total buyer cash needed$120,679.76
Remaining funds due$120,679.76
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%)$3,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,049.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$799.75
Prepaid interest, first (27 days)$427.02
Fees + prepaids$10,693.33
Your down payment is the seller’s equity. You take over the $209,914 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $120,679.76 is due at closing. Uses and sources reconcile at $330,593.33 each. Not a Closing Disclosure.