Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$109,266Cash toward the purchase price.
Closing costs + prepaids$9,904Not just lender fees.
Before credits & paid funds$119,170The complete starting cash picture.
Estimated remaining funds due at closing
$119,170No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,265.53
Your down payment$109,265.53
Closing costs + prepaids$9,904.30
Total buyer cash needed$119,169.82
Remaining funds due$119,169.82
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%)$3,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,003.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$237.25
Prepaid interest, first (20 days)$345.37
Fees + prepaids$9,904.30
Your down payment is the seller’s equity. You take over the $200,734 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $119,169.82 is due at closing. Uses and sources reconcile at $319,904.30 each. Not a Closing Disclosure.