Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$238,055Cash toward the purchase price.
Closing costs + prepaids$9,392Not just lender fees.
Before credits & paid funds$247,447The complete starting cash picture.
Estimated remaining funds due at closing
$247,447No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,055.10
Your down payment$238,055.10
Closing costs + prepaids$9,391.93
Total buyer cash needed$247,447.04
Remaining funds due$247,447.04
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%)$3,180.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$399.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$413.25
Prepaid interest, first (27 days)$180.96
Fees + prepaids$9,391.93
Your down payment is the seller’s equity. You take over the $79,945 balance, so the rest of the $318,000 price is paid at closing. A second mortgage can cover part of it. $247,447.04 is due at closing. Uses and sources reconcile at $327,391.93 each. Not a Closing Disclosure.