Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$82,983Cash toward the purchase price.
Closing costs + prepaids$11,797Not just lender fees.
Before credits & paid funds$94,780The complete starting cash picture.
Estimated remaining funds due at closing
$94,780No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,982.52
Your down payment$82,982.52
Closing costs + prepaids$11,797.10
Total buyer cash needed$94,779.62
Remaining funds due$94,779.62
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%)$1,160.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,065.00
Prepaid interest, first (31 days)$1,204.01
Fees + prepaids$11,797.10
Your down payment is the seller’s equity. You take over the $232,017 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $94,779.62 is due at closing. Uses and sources reconcile at $326,797.10 each. Not a Closing Disclosure.