Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$95,441Cash toward the purchase price.
Closing costs + prepaids$10,592Not just lender fees.
Before credits & paid funds$106,033The complete starting cash picture.
Estimated remaining funds due at closing
$106,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,441.02
Your down payment$95,441.02
Closing costs + prepaids$10,592.13
Total buyer cash needed$106,033.15
Remaining funds due$106,033.15
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%)$1,117.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$398.75
Initial HOA (3 months)$375.00
Prepaid interest, first (17 days)$292.59
Fees + prepaids$10,592.13
Your down payment is the seller’s equity. You take over the $223,559 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $106,033.15 is due at closing. Uses and sources reconcile at $329,592.13 each. Not a Closing Disclosure.