Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$87,019Cash toward the purchase price.
Closing costs + prepaids$10,739Not just lender fees.
Before credits & paid funds$97,757The complete starting cash picture.
Estimated remaining funds due at closing
$97,757No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,018.62
Your down payment$87,018.62
Closing costs + prepaids$10,738.56
Total buyer cash needed$97,757.18
Remaining funds due$97,757.18
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%)$1,159.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$448.25
Initial HOA (3 months)$153.00
Prepaid interest, first (31 days)$569.40
Fees + prepaids$10,738.56
Your down payment is the seller’s equity. You take over the $231,981 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $97,757.18 is due at closing. Uses and sources reconcile at $329,738.56 each. Not a Closing Disclosure.