Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$113,042Cash toward the purchase price.
Closing costs + prepaids$10,222Not just lender fees.
Before credits & paid funds$123,264The complete starting cash picture.
Estimated remaining funds due at closing
$123,264No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,042.21
Your down payment$113,042.21
Closing costs + prepaids$10,222.27
Total buyer cash needed$123,264.49
Remaining funds due$123,264.49
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%)$3,238.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,053.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$253.75
Initial HOA (3 months)$30.00
Prepaid interest, first (25 days)$428.73
Fees + prepaids$10,222.27
Your down payment is the seller’s equity. You take over the $210,758 balance, so the rest of the $323,800 price is paid at closing. A second mortgage can cover part of it. $123,264.49 is due at closing. Uses and sources reconcile at $334,022.27 each. Not a Closing Disclosure.