Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$103,207Cash toward the purchase price.
Closing costs + prepaids$11,901Not just lender fees.
Before credits & paid funds$115,108The complete starting cash picture.
Estimated remaining funds due at closing
$115,108No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,207.19
Your down payment$103,207.19
Closing costs + prepaids$11,901.20
Total buyer cash needed$115,108.40
Remaining funds due$115,108.40
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%)$3,120.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,043.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,854.25
Prepaid interest, first (31 days)$664.99
Fees + prepaids$11,901.20
Your down payment is the seller’s equity. You take over the $208,793 balance, so the rest of the $312,000 price is paid at closing. A second mortgage can cover part of it. $115,108.40 is due at closing. Uses and sources reconcile at $323,901.20 each. Not a Closing Disclosure.