Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$315,721Cash toward the purchase price.
Closing costs + prepaids$9,536Not just lender fees.
Before credits & paid funds$325,258The complete starting cash picture.
Estimated remaining funds due at closing
$325,258No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$315,721.17
Your down payment$315,721.17
Closing costs + prepaids$9,536.49
Total buyer cash needed$325,257.67
Remaining funds due$325,257.67
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$246.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$322.00
Prepaid interest, first (22 days)$100.10
Fees + prepaids$9,536.49
Your down payment is the seller’s equity. You take over the $49,279 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $325,257.67 is due at closing. Uses and sources reconcile at $374,536.49 each. Not a Closing Disclosure.