Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$306,193Cash toward the purchase price.
Closing costs + prepaids$9,593Not just lender fees.
Before credits & paid funds$315,786The complete starting cash picture.
Estimated remaining funds due at closing
$315,786No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,192.92
Your down payment$306,192.92
Closing costs + prepaids$9,592.97
Total buyer cash needed$315,785.89
Remaining funds due$315,785.89
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%)$44.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$348.25
Initial HOA (3 months)$795.00
Prepaid interest, first (22 days)$37.69
Fees + prepaids$9,592.97
Your down payment is the seller’s equity. You take over the $8,807 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $315,785.89 is due at closing. Uses and sources reconcile at $324,592.97 each. Not a Closing Disclosure.