Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$214,148Cash toward the purchase price.
Closing costs + prepaids$9,526Not just lender fees.
Before credits & paid funds$223,674The complete starting cash picture.
Estimated remaining funds due at closing
$223,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,148.10
Your down payment$214,148.10
Closing costs + prepaids$9,526.30
Total buyer cash needed$223,674.40
Remaining funds due$223,674.40
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%)$3,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$479.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$421.00
Prepaid interest, first (23 days)$308.04
Fees + prepaids$9,526.30
Your down payment is the seller’s equity. You take over the $95,852 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $223,674.40 is due at closing. Uses and sources reconcile at $319,526.30 each. Not a Closing Disclosure.