Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$189,833Cash toward the purchase price.
Closing costs + prepaids$9,718Not just lender fees.
Before credits & paid funds$199,551The complete starting cash picture.
Estimated remaining funds due at closing
$199,551No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,833.41
Your down payment$189,833.41
Closing costs + prepaids$9,717.52
Total buyer cash needed$199,550.93
Remaining funds due$199,550.93
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%)$3,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$650.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$400.00
Prepaid interest, first (17 days)$250.19
Fees + prepaids$9,717.52
Your down payment is the seller’s equity. You take over the $130,067 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $199,550.93 is due at closing. Uses and sources reconcile at $329,617.52 each. Not a Closing Disclosure.