Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$121,828Cash toward the purchase price.
Closing costs + prepaids$9,800Not just lender fees.
Before credits & paid funds$131,628The complete starting cash picture.
Estimated remaining funds due at closing
$131,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,828.13
Your down payment$121,828.13
Closing costs + prepaids$9,799.75
Total buyer cash needed$131,627.88
Remaining funds due$131,627.88
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%)$940.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$372.00
Prepaid interest, first (9 days)$168.89
Fees + prepaids$9,799.75
Your down payment is the seller’s equity. You take over the $188,172 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $131,627.88 is due at closing. Uses and sources reconcile at $319,799.75 each. Not a Closing Disclosure.