Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$211,636Cash toward the purchase price.
Closing costs + prepaids$9,320Not just lender fees.
Before credits & paid funds$220,955The complete starting cash picture.
Estimated remaining funds due at closing
$220,955No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,635.78
Your down payment$211,635.78
Closing costs + prepaids$9,319.66
Total buyer cash needed$220,955.44
Remaining funds due$220,955.44
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%)$3,098.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$491.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$327.50
Prepaid interest, first (28 days)$184.59
Fees + prepaids$9,319.66
Your down payment is the seller’s equity. You take over the $98,214 balance, so the rest of the $309,850 price is paid at closing. A second mortgage can cover part of it. $220,955.44 is due at closing. Uses and sources reconcile at $319,169.66 each. Not a Closing Disclosure.