Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$106,616Cash toward the purchase price.
Closing costs + prepaids$10,522Not just lender fees.
Before credits & paid funds$117,138The complete starting cash picture.
Estimated remaining funds due at closing
$117,138No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,616.36
Your down payment$106,616.36
Closing costs + prepaids$10,522.07
Total buyer cash needed$117,138.43
Remaining funds due$117,138.43
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%)$3,220.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,076.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$385.00
Initial HOA (3 months)$105.00
Prepaid interest, first (28 days)$517.16
Fees + prepaids$10,522.07
Your down payment is the seller’s equity. You take over the $215,384 balance, so the rest of the $322,000 price is paid at closing. A second mortgage can cover part of it. $117,138.43 is due at closing. Uses and sources reconcile at $332,522.07 each. Not a Closing Disclosure.