Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$123,501Cash toward the purchase price.
Closing costs + prepaids$11,217Not just lender fees.
Before credits & paid funds$134,718The complete starting cash picture.
Estimated remaining funds due at closing
$134,718No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,500.70
Your down payment$123,500.70
Closing costs + prepaids$11,216.82
Total buyer cash needed$134,717.53
Remaining funds due$134,717.53
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%)$957.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,341.75
Prepaid interest, first (25 days)$549.58
Fees + prepaids$11,216.82
Your down payment is the seller’s equity. You take over the $191,499 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $134,717.53 is due at closing. Uses and sources reconcile at $326,216.82 each. Not a Closing Disclosure.