Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$183,010Cash toward the purchase price.
Closing costs + prepaids$9,442Not just lender fees.
Before credits & paid funds$192,452The complete starting cash picture.
Estimated remaining funds due at closing
$192,452No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,009.91
Your down payment$183,009.91
Closing costs + prepaids$9,442.31
Total buyer cash needed$192,452.22
Remaining funds due$192,452.22
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%)$3,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$679.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$328.50
Prepaid interest, first (2 days)$25.86
Fees + prepaids$9,442.31
Your down payment is the seller’s equity. You take over the $135,990 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $192,452.22 is due at closing. Uses and sources reconcile at $328,442.31 each. Not a Closing Disclosure.