Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$104,177Cash toward the purchase price.
Closing costs + prepaids$10,897Not just lender fees.
Before credits & paid funds$115,073The complete starting cash picture.
Estimated remaining funds due at closing
$115,073No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,176.55
Your down payment$104,176.55
Closing costs + prepaids$10,896.61
Total buyer cash needed$115,073.16
Remaining funds due$115,073.16
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%)$3,199.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,079.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$726.50
Initial HOA (3 months)$171.00
Prepaid interest, first (30 days)$502.01
Fees + prepaids$10,896.61
Your down payment is the seller’s equity. You take over the $215,822 balance, so the rest of the $319,999 price is paid at closing. A second mortgage can cover part of it. $115,073.16 is due at closing. Uses and sources reconcile at $330,895.61 each. Not a Closing Disclosure.