Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$73,418Cash toward the purchase price.
Closing costs + prepaids$12,271Not just lender fees.
Before credits & paid funds$85,688The complete starting cash picture.
Estimated remaining funds due at closing
$85,688No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,417.69
Your down payment$73,417.69
Closing costs + prepaids$12,270.78
Total buyer cash needed$85,688.46
Remaining funds due$85,688.46
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%)$1,182.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,560.25
Prepaid interest, first (31 days)$1,209.62
Fees + prepaids$12,270.78
Your down payment is the seller’s equity. You take over the $236,582 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $85,688.46 is due at closing. Uses and sources reconcile at $322,270.78 each. Not a Closing Disclosure.