Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$80,060Cash toward the purchase price.
Closing costs + prepaids$10,665Not just lender fees.
Before credits & paid funds$90,725The complete starting cash picture.
Estimated remaining funds due at closing
$90,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,060.07
Your down payment$80,060.07
Closing costs + prepaids$10,665.23
Total buyer cash needed$90,725.30
Remaining funds due$90,725.30
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%)$1,149.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$303.00
Initial HOA (3 months)$336.00
Prepaid interest, first (31 days)$558.53
Fees + prepaids$10,665.23
Your down payment is the seller’s equity. You take over the $229,940 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $90,725.30 is due at closing. Uses and sources reconcile at $320,665.23 each. Not a Closing Disclosure.