Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$97,585Cash toward the purchase price.
Closing costs + prepaids$10,638Not just lender fees.
Before credits & paid funds$108,224The complete starting cash picture.
Estimated remaining funds due at closing
$108,224No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,585.45
Your down payment$97,585.45
Closing costs + prepaids$10,638.27
Total buyer cash needed$108,223.72
Remaining funds due$108,223.72
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%)$3,280.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,152.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$393.50
Initial HOA (3 months)$399.00
Prepaid interest, first (10 days)$195.69
Fees + prepaids$10,638.27
Your down payment is the seller’s equity. You take over the $230,415 balance, so the rest of the $328,000 price is paid at closing. A second mortgage can cover part of it. $108,223.72 is due at closing. Uses and sources reconcile at $338,638.27 each. Not a Closing Disclosure.