Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$80,763Cash toward the purchase price.
Closing costs + prepaids$10,779Not just lender fees.
Before credits & paid funds$91,542The complete starting cash picture.
Estimated remaining funds due at closing
$91,542No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,762.88
Your down payment$80,762.88
Closing costs + prepaids$10,779.31
Total buyer cash needed$91,542.19
Remaining funds due$91,542.19
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%)$1,145.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$269.50
Prepaid interest, first (24 days)$1,047.13
Fees + prepaids$10,779.31
Your down payment is the seller’s equity. You take over the $229,137 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $91,542.19 is due at closing. Uses and sources reconcile at $320,679.31 each. Not a Closing Disclosure.