Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$237,734Cash toward the purchase price.
Closing costs + prepaids$9,540Not just lender fees.
Before credits & paid funds$247,274The complete starting cash picture.
Estimated remaining funds due at closing
$247,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,734.02
Your down payment$237,734.02
Closing costs + prepaids$9,540.43
Total buyer cash needed$247,274.45
Remaining funds due$247,274.45
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%)$3,199.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$411.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$491.50
Prepaid interest, first (28 days)$219.61
Fees + prepaids$9,540.43
Your down payment is the seller’s equity. You take over the $82,265 balance, so the rest of the $319,999 price is paid at closing. A second mortgage can cover part of it. $247,274.45 is due at closing. Uses and sources reconcile at $329,539.43 each. Not a Closing Disclosure.