Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$143,763Cash toward the purchase price.
Closing costs + prepaids$10,292Not just lender fees.
Before credits & paid funds$154,055The complete starting cash picture.
Estimated remaining funds due at closing
$154,055No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,762.62
Your down payment$143,762.62
Closing costs + prepaids$10,291.97
Total buyer cash needed$154,054.59
Remaining funds due$154,054.59
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%)$856.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$635.00
Prepaid interest, first (25 days)$432.78
Fees + prepaids$10,291.97
Your down payment is the seller’s equity. You take over the $171,237 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $154,054.59 is due at closing. Uses and sources reconcile at $325,291.97 each. Not a Closing Disclosure.