Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$37,078Cash toward the purchase price.
Closing costs + prepaids$11,142Not just lender fees.
Before credits & paid funds$48,221The complete starting cash picture.
Estimated remaining funds due at closing
$48,221No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,078.18
Your down payment$37,078.18
Closing costs + prepaids$11,142.40
Total buyer cash needed$48,220.58
Remaining funds due$48,220.58
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%)$1,389.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$684.25
Initial HOA (3 months)$42.51
Prepaid interest, first (29 days)$658.03
Fees + prepaids$11,142.40
Your down payment is the seller’s equity. You take over the $277,922 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $48,220.58 is due at closing. Uses and sources reconcile at $326,142.40 each. Not a Closing Disclosure.