Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$132,988Cash toward the purchase price.
Closing costs + prepaids$10,468Not just lender fees.
Before credits & paid funds$143,455The complete starting cash picture.
Estimated remaining funds due at closing
$143,455No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,987.56
Your down payment$132,987.56
Closing costs + prepaids$10,467.72
Total buyer cash needed$143,455.28
Remaining funds due$143,455.28
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%)$910.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,153.75
Prepaid interest, first (2 days)$35.90
Fees + prepaids$10,467.72
Your down payment is the seller’s equity. You take over the $182,012 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $143,455.28 is due at closing. Uses and sources reconcile at $325,467.72 each. Not a Closing Disclosure.