Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$80,957Cash toward the purchase price.
Closing costs + prepaids$10,294Not just lender fees.
Before credits & paid funds$91,251The complete starting cash picture.
Estimated remaining funds due at closing
$91,251No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,957.37
Your down payment$80,957.37
Closing costs + prepaids$10,293.69
Total buyer cash needed$91,251.06
Remaining funds due$91,251.06
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%)$1,145.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$775.00
Prepaid interest, first (2 days)$55.47
Fees + prepaids$10,293.69
Your down payment is the seller’s equity. You take over the $229,043 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $91,251.06 is due at closing. Uses and sources reconcile at $320,293.69 each. Not a Closing Disclosure.