Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$137,375Cash toward the purchase price.
Closing costs + prepaids$10,059Not just lender fees.
Before credits & paid funds$147,433The complete starting cash picture.
Estimated remaining funds due at closing
$147,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,374.68
Your down payment$137,374.68
Closing costs + prepaids$10,058.65
Total buyer cash needed$147,433.33
Remaining funds due$147,433.33
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%)$863.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$790.50
Prepaid interest, first (5 days)$87.02
Fees + prepaids$10,058.65
Your down payment is the seller’s equity. You take over the $172,625 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $147,433.33 is due at closing. Uses and sources reconcile at $320,058.65 each. Not a Closing Disclosure.