Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$222,776Cash toward the purchase price.
Closing costs + prepaids$9,308Not just lender fees.
Before credits & paid funds$232,084The complete starting cash picture.
Estimated remaining funds due at closing
$232,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,775.76
Your down payment$222,775.76
Closing costs + prepaids$9,308.12
Total buyer cash needed$232,083.88
Remaining funds due$232,083.88
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%)$3,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$461.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$202.50
Prepaid interest, first (31 days)$276.50
Fees + prepaids$9,308.12
Your down payment is the seller’s equity. You take over the $92,224 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $232,083.88 is due at closing. Uses and sources reconcile at $324,308.12 each. Not a Closing Disclosure.