Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$184,460Cash toward the purchase price.
Closing costs + prepaids$9,951Not just lender fees.
Before credits & paid funds$194,411The complete starting cash picture.
Estimated remaining funds due at closing
$194,411No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,460.27
Your down payment$184,460.27
Closing costs + prepaids$9,950.58
Total buyer cash needed$194,410.85
Remaining funds due$194,410.85
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%)$677.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$633.00
Prepaid interest, first (28 days)$223.38
Fees + prepaids$9,950.58
Your down payment is the seller’s equity. You take over the $135,440 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $194,410.85 is due at closing. Uses and sources reconcile at $329,850.58 each. Not a Closing Disclosure.