Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$216,383Cash toward the purchase price.
Closing costs + prepaids$9,991Not just lender fees.
Before credits & paid funds$226,374The complete starting cash picture.
Estimated remaining funds due at closing
$226,374No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,383.00
Your down payment$216,383.00
Closing costs + prepaids$9,991.10
Total buyer cash needed$226,374.10
Remaining funds due$226,374.10
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%)$3,245.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$540.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$345.25
Initial HOA (3 months)$180.00
Prepaid interest, first (27 days)$462.27
Fees + prepaids$9,991.10
Your down payment is the seller’s equity. You take over the $108,117 balance, so the rest of the $324,500 price is paid at closing. A second mortgage can cover part of it. $226,374.10 is due at closing. Uses and sources reconcile at $334,491.10 each. Not a Closing Disclosure.