Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$208,626Cash toward the purchase price.
Closing costs + prepaids$10,015Not just lender fees.
Before credits & paid funds$218,641The complete starting cash picture.
Estimated remaining funds due at closing
$218,641No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,626.48
Your down payment$208,626.48
Closing costs + prepaids$10,014.56
Total buyer cash needed$218,641.04
Remaining funds due$218,641.04
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%)$556.37
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)$375.19
Fees + prepaids$10,014.56
Your down payment is the seller’s equity. You take over the $111,274 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $218,641.04 is due at closing. Uses and sources reconcile at $329,914.56 each. Not a Closing Disclosure.