Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$109,481Cash toward the purchase price.
Closing costs + prepaids$10,061Not just lender fees.
Before credits & paid funds$119,542The complete starting cash picture.
Estimated remaining funds due at closing
$119,542No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,480.53
Your down payment$109,480.53
Closing costs + prepaids$10,061.13
Total buyer cash needed$119,541.66
Remaining funds due$119,541.66
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%)$3,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,027.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$393.75
Initial HOA (3 months)$96.00
Prepaid interest, first (14 days)$177.28
Fees + prepaids$10,061.13
Your down payment is the seller’s equity. You take over the $205,419 balance, so the rest of the $314,900 price is paid at closing. A second mortgage can cover part of it. $119,541.66 is due at closing. Uses and sources reconcile at $324,961.13 each. Not a Closing Disclosure.