Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$93,320Cash toward the purchase price.
Closing costs + prepaids$10,205Not just lender fees.
Before credits & paid funds$103,525The complete starting cash picture.
Estimated remaining funds due at closing
$103,525No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,319.93
Your down payment$93,319.93
Closing costs + prepaids$10,204.65
Total buyer cash needed$103,524.59
Remaining funds due$103,524.59
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%)$3,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,157.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$185.75
Prepaid interest, first (18 days)$394.00
Fees + prepaids$10,204.65
Your down payment is the seller’s equity. You take over the $231,580 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $103,524.59 is due at closing. Uses and sources reconcile at $335,104.65 each. Not a Closing Disclosure.