Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$83,787Cash toward the purchase price.
Closing costs + prepaids$10,641Not just lender fees.
Before credits & paid funds$94,428The complete starting cash picture.
Estimated remaining funds due at closing
$94,428No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,786.63
Your down payment$83,786.63
Closing costs + prepaids$10,641.33
Total buyer cash needed$94,427.96
Remaining funds due$94,427.96
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%)$1,176.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$260.50
Initial HOA (3 months)$336.00
Prepaid interest, first (26 days)$460.76
Fees + prepaids$10,641.33
Your down payment is the seller’s equity. You take over the $235,213 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $94,427.96 is due at closing. Uses and sources reconcile at $329,641.33 each. Not a Closing Disclosure.