Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$121,402Cash toward the purchase price.
Closing costs + prepaids$9,503Not just lender fees.
Before credits & paid funds$130,905The complete starting cash picture.
Estimated remaining funds due at closing
$130,905No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,401.90
Your down payment$121,401.90
Closing costs + prepaids$9,502.80
Total buyer cash needed$130,904.69
Remaining funds due$130,904.69
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%)$3,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$942.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$223.00
Prepaid interest, first (1 days)$18.81
Fees + prepaids$9,502.80
Your down payment is the seller’s equity. You take over the $188,598 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $130,904.69 is due at closing. Uses and sources reconcile at $319,502.80 each. Not a Closing Disclosure.