Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$307,469Cash toward the purchase price.
Closing costs + prepaids$10,249Not just lender fees.
Before credits & paid funds$317,718The complete starting cash picture.
Estimated remaining funds due at closing
$317,718No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$307,469.25
Your down payment$307,469.25
Closing costs + prepaids$10,248.76
Total buyer cash needed$317,718.01
Remaining funds due$317,718.01
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%)$57.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,519.25
Initial HOA (3 months)$231.00
Prepaid interest, first (25 days)$32.85
Fees + prepaids$10,248.76
Your down payment is the seller’s equity. You take over the $11,531 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $317,718.01 is due at closing. Uses and sources reconcile at $329,248.76 each. Not a Closing Disclosure.