Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$28,919Cash toward the purchase price.
Closing costs + prepaids$11,611Not just lender fees.
Before credits & paid funds$40,530The complete starting cash picture.
Estimated remaining funds due at closing
$40,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,918.65
Your down payment$28,918.65
Closing costs + prepaids$11,611.01
Total buyer cash needed$40,529.65
Remaining funds due$40,529.65
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%)$1,430.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$390.50
Prepaid interest, first (27 days)$1,422.10
Fees + prepaids$11,611.01
Your down payment is the seller’s equity. You take over the $286,081 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $40,529.65 is due at closing. Uses and sources reconcile at $326,611.01 each. Not a Closing Disclosure.