Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$23,248Cash toward the purchase price.
Closing costs + prepaids$11,591Not just lender fees.
Before credits & paid funds$34,839The complete starting cash picture.
Estimated remaining funds due at closing
$34,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,247.99
Your down payment$23,247.99
Closing costs + prepaids$11,591.09
Total buyer cash needed$34,839.07
Remaining funds due$34,839.07
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%)$1,458.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$303.25
Prepaid interest, first (27 days)$1,461.08
Fees + prepaids$11,591.09
Your down payment is the seller’s equity. You take over the $291,752 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $34,839.07 is due at closing. Uses and sources reconcile at $326,591.09 each. Not a Closing Disclosure.