Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$223,180Cash toward the purchase price.
Closing costs + prepaids$9,945Not just lender fees.
Before credits & paid funds$233,125The complete starting cash picture.
Estimated remaining funds due at closing
$233,125No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,179.71
Your down payment$223,179.71
Closing costs + prepaids$9,945.32
Total buyer cash needed$233,125.04
Remaining funds due$233,125.04
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%)$3,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$483.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$732.25
Prepaid interest, first (22 days)$312.47
Fees + prepaids$9,945.32
Your down payment is the seller’s equity. You take over the $96,720 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $233,125.04 is due at closing. Uses and sources reconcile at $329,845.32 each. Not a Closing Disclosure.