Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$197,868Cash toward the purchase price.
Closing costs + prepaids$9,333Not just lender fees.
Before credits & paid funds$207,202The complete starting cash picture.
Estimated remaining funds due at closing
$207,202No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,868.01
Your down payment$197,868.01
Closing costs + prepaids$9,333.49
Total buyer cash needed$207,201.50
Remaining funds due$207,201.50
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%)$3,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$560.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$372.00
Initial HOA (3 months)$6.24
Prepaid interest, first (9 days)$76.59
Fees + prepaids$9,333.49
Your down payment is the seller’s equity. You take over the $112,132 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $207,201.50 is due at closing. Uses and sources reconcile at $319,333.49 each. Not a Closing Disclosure.