Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$40,197Cash toward the purchase price.
Closing costs + prepaids$11,764Not just lender fees.
Before credits & paid funds$51,961The complete starting cash picture.
Estimated remaining funds due at closing
$51,961No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,197.15
Your down payment$40,197.15
Closing costs + prepaids$11,764.09
Total buyer cash needed$51,961.23
Remaining funds due$51,961.23
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%)$3,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,374.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$470.00
Prepaid interest, first (31 days)$1,552.07
Fees + prepaids$11,764.09
Your down payment is the seller’s equity. You take over the $274,803 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $51,961.23 is due at closing. Uses and sources reconcile at $326,764.09 each. Not a Closing Disclosure.