Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$97,585Cash toward the purchase price.
Closing costs + prepaids$11,252Not just lender fees.
Before credits & paid funds$108,837The complete starting cash picture.
Estimated remaining funds due at closing
$108,837No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,585.45
Your down payment$97,585.45
Closing costs + prepaids$11,251.73
Total buyer cash needed$108,837.18
Remaining funds due$108,837.18
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%)$3,280.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,152.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$596.00
Initial HOA (3 months)$399.00
Prepaid interest, first (31 days)$606.65
Fees + prepaids$11,251.73
Your down payment is the seller’s equity. You take over the $230,415 balance, so the rest of the $328,000 price is paid at closing. A second mortgage can cover part of it. $108,837.18 is due at closing. Uses and sources reconcile at $339,251.73 each. Not a Closing Disclosure.