Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$74,741Cash toward the purchase price.
Closing costs + prepaids$12,673Not just lender fees.
Before credits & paid funds$87,414The complete starting cash picture.
Estimated remaining funds due at closing
$87,414No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,741.05
Your down payment$74,741.05
Closing costs + prepaids$12,673.29
Total buyer cash needed$87,414.34
Remaining funds due$87,414.34
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%)$3,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,221.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,582.25
Prepaid interest, first (23 days)$461.75
Fees + prepaids$12,673.29
Your down payment is the seller’s equity. You take over the $244,259 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $87,414.34 is due at closing. Uses and sources reconcile at $331,673.29 each. Not a Closing Disclosure.