Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$97,824Cash toward the purchase price.
Closing costs + prepaids$12,092Not just lender fees.
Before credits & paid funds$109,916The complete starting cash picture.
Estimated remaining funds due at closing
$109,916No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,823.71
Your down payment$97,823.71
Closing costs + prepaids$12,092.37
Total buyer cash needed$109,916.08
Remaining funds due$109,916.08
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%)$3,220.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,120.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,369.00
Prepaid interest, first (30 days)$1,164.49
Fees + prepaids$12,092.37
Your down payment is the seller’s equity. You take over the $224,176 balance, so the rest of the $322,000 price is paid at closing. A second mortgage can cover part of it. $109,916.08 is due at closing. Uses and sources reconcile at $334,092.37 each. Not a Closing Disclosure.