Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$90,667Cash toward the purchase price.
Closing costs + prepaids$10,509Not just lender fees.
Before credits & paid funds$101,176The complete starting cash picture.
Estimated remaining funds due at closing
$101,176No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,666.89
Your down payment$90,666.89
Closing costs + prepaids$10,508.86
Total buyer cash needed$101,175.75
Remaining funds due$101,175.75
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%)$3,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,141.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$398.75
Prepaid interest, first (17 days)$560.45
Fees + prepaids$10,508.86
Your down payment is the seller’s equity. You take over the $228,333 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $101,175.75 is due at closing. Uses and sources reconcile at $329,508.86 each. Not a Closing Disclosure.