Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$78,597Cash toward the purchase price.
Closing costs + prepaids$10,856Not just lender fees.
Before credits & paid funds$89,453The complete starting cash picture.
Estimated remaining funds due at closing
$89,453No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,596.97
Your down payment$78,596.97
Closing costs + prepaids$10,856.18
Total buyer cash needed$89,453.15
Remaining funds due$89,453.15
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%)$1,182.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$787.50
Prepaid interest, first (28 days)$518.66
Fees + prepaids$10,856.18
Your down payment is the seller’s equity. You take over the $236,403 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $89,453.15 is due at closing. Uses and sources reconcile at $325,856.18 each. Not a Closing Disclosure.