Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$101,781Cash toward the purchase price.
Closing costs + prepaids$12,095Not just lender fees.
Before credits & paid funds$113,876The complete starting cash picture.
Estimated remaining funds due at closing
$113,876No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,781.25
Your down payment$101,781.25
Closing costs + prepaids$12,094.85
Total buyer cash needed$113,876.10
Remaining funds due$113,876.10
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%)$3,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,086.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,225.00
Prepaid interest, first (22 days)$375.76
Fees + prepaids$12,094.85
Your down payment is the seller’s equity. You take over the $217,219 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $113,876.10 is due at closing. Uses and sources reconcile at $331,094.85 each. Not a Closing Disclosure.