Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$116,513Cash toward the purchase price.
Closing costs + prepaids$10,123Not just lender fees.
Before credits & paid funds$126,636The complete starting cash picture.
Estimated remaining funds due at closing
$126,636No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,513.21
Your down payment$116,513.21
Closing costs + prepaids$10,123.16
Total buyer cash needed$126,636.37
Remaining funds due$126,636.37
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%)$3,160.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$997.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$395.00
Initial HOA (3 months)$87.00
Prepaid interest, first (17 days)$265.73
Fees + prepaids$10,123.16
Your down payment is the seller’s equity. You take over the $199,487 balance, so the rest of the $316,000 price is paid at closing. A second mortgage can cover part of it. $126,636.37 is due at closing. Uses and sources reconcile at $326,123.16 each. Not a Closing Disclosure.