Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$213,684Cash toward the purchase price.
Closing costs + prepaids$9,247Not just lender fees.
Before credits & paid funds$222,931The complete starting cash picture.
Estimated remaining funds due at closing
$222,931No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213,683.57
Your down payment$213,683.57
Closing costs + prepaids$9,247.50
Total buyer cash needed$222,931.07
Remaining funds due$222,931.07
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%)$481.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$421.00
Prepaid interest, first (2 days)$26.92
Fees + prepaids$9,247.50
Your down payment is the seller’s equity. You take over the $96,316 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $222,931.07 is due at closing. Uses and sources reconcile at $319,247.50 each. Not a Closing Disclosure.