Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$112,877Cash toward the purchase price.
Closing costs + prepaids$10,225Not just lender fees.
Before credits & paid funds$123,102The complete starting cash picture.
Estimated remaining funds due at closing
$123,102No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,877.08
Your down payment$112,877.08
Closing costs + prepaids$10,225.33
Total buyer cash needed$123,102.41
Remaining funds due$123,102.41
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%)$3,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,035.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$400.00
Initial HOA (3 months)$135.00
Prepaid interest, first (15 days)$238.22
Fees + prepaids$10,225.33
Your down payment is the seller’s equity. You take over the $207,023 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $123,102.41 is due at closing. Uses and sources reconcile at $330,125.33 each. Not a Closing Disclosure.