Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$106,616Cash toward the purchase price.
Closing costs + prepaids$10,336Not just lender fees.
Before credits & paid funds$116,953The complete starting cash picture.
Estimated remaining funds due at closing
$116,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,616.36
Your down payment$106,616.36
Closing costs + prepaids$10,336.41
Total buyer cash needed$116,952.77
Remaining funds due$116,952.77
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%)$1,076.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$402.50
Initial HOA (3 months)$105.00
Prepaid interest, first (17 days)$313.99
Fees + prepaids$10,336.41
Your down payment is the seller’s equity. You take over the $215,384 balance, so the rest of the $322,000 price is paid at closing. A second mortgage can cover part of it. $116,952.77 is due at closing. Uses and sources reconcile at $332,336.41 each. Not a Closing Disclosure.