Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$133,414Cash toward the purchase price.
Closing costs + prepaids$10,842Not just lender fees.
Before credits & paid funds$144,256The complete starting cash picture.
Estimated remaining funds due at closing
$144,256No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,414.46
Your down payment$133,414.46
Closing costs + prepaids$10,841.60
Total buyer cash needed$144,256.07
Remaining funds due$144,256.07
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%)$907.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,153.75
Prepaid interest, first (23 days)$411.93
Fees + prepaids$10,841.60
Your down payment is the seller’s equity. You take over the $181,586 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $144,256.07 is due at closing. Uses and sources reconcile at $325,841.60 each. Not a Closing Disclosure.