Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$38,713Cash toward the purchase price.
Closing costs + prepaids$11,744Not just lender fees.
Before credits & paid funds$50,457The complete starting cash picture.
Estimated remaining funds due at closing
$50,457No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,713.42
Your down payment$38,713.42
Closing costs + prepaids$11,743.62
Total buyer cash needed$50,457.04
Remaining funds due$50,457.04
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%)$1,381.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$762.25
Prepaid interest, first (31 days)$1,231.94
Fees + prepaids$11,743.62
Your down payment is the seller’s equity. You take over the $276,287 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $50,457.04 is due at closing. Uses and sources reconcile at $326,743.62 each. Not a Closing Disclosure.