Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$118,686Cash toward the purchase price.
Closing costs + prepaids$9,915Not just lender fees.
Before credits & paid funds$128,601The complete starting cash picture.
Estimated remaining funds due at closing
$128,601No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,685.70
Your down payment$118,685.70
Closing costs + prepaids$9,915.24
Total buyer cash needed$128,600.93
Remaining funds due$128,600.93
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%)$956.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$387.50
Prepaid interest, first (15 days)$253.16
Fees + prepaids$9,915.24
Your down payment is the seller’s equity. You take over the $191,314 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $128,600.93 is due at closing. Uses and sources reconcile at $319,915.24 each. Not a Closing Disclosure.