Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$106,165Cash toward the purchase price.
Closing costs + prepaids$10,747Not just lender fees.
Before credits & paid funds$116,912The complete starting cash picture.
Estimated remaining funds due at closing
$116,912No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,164.54
Your down payment$106,164.54
Closing costs + prepaids$10,747.25
Total buyer cash needed$116,911.79
Remaining funds due$116,911.79
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%)$3,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,064.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$891.50
Prepaid interest, first (23 days)$383.57
Fees + prepaids$10,747.25
Your down payment is the seller’s equity. You take over the $212,835 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $116,911.79 is due at closing. Uses and sources reconcile at $329,747.25 each. Not a Closing Disclosure.