Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$128,964Cash toward the purchase price.
Closing costs + prepaids$10,779Not just lender fees.
Before credits & paid funds$139,743The complete starting cash picture.
Estimated remaining funds due at closing
$139,743No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,964.14
Your down payment$128,964.14
Closing costs + prepaids$10,778.70
Total buyer cash needed$139,742.83
Remaining funds due$139,742.83
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%)$3,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$954.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$652.25
Initial HOA (3 months)$81.00
Prepaid interest, first (28 days)$673.77
Fees + prepaids$10,778.70
Your down payment is the seller’s equity. You take over the $190,936 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $139,742.83 is due at closing. Uses and sources reconcile at $330,678.70 each. Not a Closing Disclosure.