Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$84,971Cash toward the purchase price.
Closing costs + prepaids$11,307Not just lender fees.
Before credits & paid funds$96,278The complete starting cash picture.
Estimated remaining funds due at closing
$96,278No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,971.12
Your down payment$84,971.12
Closing costs + prepaids$11,306.71
Total buyer cash needed$96,277.83
Remaining funds due$96,277.83
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%)$1,174.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$590.50
Prepaid interest, first (26 days)$1,124.57
Fees + prepaids$11,306.71
Your down payment is the seller’s equity. You take over the $234,929 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $96,277.83 is due at closing. Uses and sources reconcile at $331,206.71 each. Not a Closing Disclosure.