Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$124,336Cash toward the purchase price.
Closing costs + prepaids$9,990Not just lender fees.
Before credits & paid funds$134,327The complete starting cash picture.
Estimated remaining funds due at closing
$134,327No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,336.44
Your down payment$124,336.44
Closing costs + prepaids$9,990.08
Total buyer cash needed$134,326.52
Remaining funds due$134,326.52
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%)$3,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$953.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$3.00
Initial HOA (3 months)$321.00
Prepaid interest, first (22 days)$344.76
Fees + prepaids$9,990.08
Your down payment is the seller’s equity. You take over the $190,664 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $134,326.52 is due at closing. Uses and sources reconcile at $324,990.08 each. Not a Closing Disclosure.