Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$94,555Cash toward the purchase price.
Closing costs + prepaids$10,295Not just lender fees.
Before credits & paid funds$104,849The complete starting cash picture.
Estimated remaining funds due at closing
$104,849No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,554.55
Your down payment$94,554.55
Closing costs + prepaids$10,294.76
Total buyer cash needed$104,849.31
Remaining funds due$104,849.31
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%)$1,122.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$382.75
Initial HOA (3 months)$201.00
Prepaid interest, first (10 days)$180.79
Fees + prepaids$10,294.76
Your down payment is the seller’s equity. You take over the $224,445 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $104,849.31 is due at closing. Uses and sources reconcile at $329,294.76 each. Not a Closing Disclosure.