Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$253,155Cash toward the purchase price.
Closing costs + prepaids$9,976Not just lender fees.
Before credits & paid funds$263,131The complete starting cash picture.
Estimated remaining funds due at closing
$263,131No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,155.40
Your down payment$253,155.40
Closing costs + prepaids$9,975.72
Total buyer cash needed$263,131.12
Remaining funds due$263,131.12
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%)$333.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,015.00
Prepaid interest, first (22 days)$210.00
Fees + prepaids$9,975.72
Your down payment is the seller’s equity. You take over the $66,745 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $263,131.12 is due at closing. Uses and sources reconcile at $329,875.72 each. Not a Closing Disclosure.