Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$201,700Cash toward the purchase price.
Closing costs + prepaids$9,605Not just lender fees.
Before credits & paid funds$211,306The complete starting cash picture.
Estimated remaining funds due at closing
$211,306No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,700.09
Your down payment$201,700.09
Closing costs + prepaids$9,605.42
Total buyer cash needed$211,305.50
Remaining funds due$211,305.50
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%)$3,198.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$590.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$383.75
Prepaid interest, first (18 days)$214.42
Fees + prepaids$9,605.42
Your down payment is the seller’s equity. You take over the $118,150 balance, so the rest of the $319,850 price is paid at closing. A second mortgage can cover part of it. $211,305.50 is due at closing. Uses and sources reconcile at $329,455.42 each. Not a Closing Disclosure.