Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$80,067Cash toward the purchase price.
Closing costs + prepaids$11,545Not just lender fees.
Before credits & paid funds$91,612The complete starting cash picture.
Estimated remaining funds due at closing
$91,612No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,067.38
Your down payment$80,067.38
Closing costs + prepaids$11,545.03
Total buyer cash needed$91,612.41
Remaining funds due$91,612.41
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%)$3,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,149.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,047.25
Initial HOA (3 months)$594.00
Prepaid interest, first (23 days)$436.12
Fees + prepaids$11,545.03
Your down payment is the seller’s equity. You take over the $229,933 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $91,612.41 is due at closing. Uses and sources reconcile at $321,545.03 each. Not a Closing Disclosure.