Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$34,829Cash toward the purchase price.
Closing costs + prepaids$10,824Not just lender fees.
Before credits & paid funds$45,653The complete starting cash picture.
Estimated remaining funds due at closing
$45,653No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,829.13
Your down payment$34,829.13
Closing costs + prepaids$10,824.16
Total buyer cash needed$45,653.29
Remaining funds due$45,653.29
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%)$1,400.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$316.50
Prepaid interest, first (25 days)$738.81
Fees + prepaids$10,824.16
Your down payment is the seller’s equity. You take over the $280,171 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $45,653.29 is due at closing. Uses and sources reconcile at $325,824.16 each. Not a Closing Disclosure.