Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$74,871Cash toward the purchase price.
Closing costs + prepaids$10,572Not just lender fees.
Before credits & paid funds$85,443The complete starting cash picture.
Estimated remaining funds due at closing
$85,443No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,871.26
Your down payment$74,871.26
Closing costs + prepaids$10,571.60
Total buyer cash needed$85,442.86
Remaining funds due$85,442.86
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%)$3,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,175.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$595.75
Prepaid interest, first (24 days)$483.71
Fees + prepaids$10,571.60
Your down payment is the seller’s equity. You take over the $235,029 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $85,442.86 is due at closing. Uses and sources reconcile at $320,471.60 each. Not a Closing Disclosure.