Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$243,954Cash toward the purchase price.
Closing costs + prepaids$10,021Not just lender fees.
Before credits & paid funds$253,974The complete starting cash picture.
Estimated remaining funds due at closing
$253,974No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,953.63
Your down payment$243,953.63
Closing costs + prepaids$10,020.83
Total buyer cash needed$253,974.47
Remaining funds due$253,974.47
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%)$355.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,191.50
Prepaid interest, first (23 days)$106.10
Fees + prepaids$10,020.83
Your down payment is the seller’s equity. You take over the $71,046 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $253,974.47 is due at closing. Uses and sources reconcile at $325,020.83 each. Not a Closing Disclosure.