Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$208,667Cash toward the purchase price.
Closing costs + prepaids$10,013Not just lender fees.
Before credits & paid funds$218,681The complete starting cash picture.
Estimated remaining funds due at closing
$218,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,667.34
Your down payment$208,667.34
Closing costs + prepaids$10,013.27
Total buyer cash needed$218,680.61
Remaining funds due$218,680.61
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%)$556.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$408.00
Initial HOA (3 months)$258.00
Prepaid interest, first (31 days)$374.11
Fees + prepaids$10,013.27
Your down payment is the seller’s equity. You take over the $111,233 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $218,680.61 is due at closing. Uses and sources reconcile at $329,913.27 each. Not a Closing Disclosure.