Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$80,456Cash toward the purchase price.
Closing costs + prepaids$11,167Not just lender fees.
Before credits & paid funds$91,623The complete starting cash picture.
Estimated remaining funds due at closing
$91,623No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,455.51
Your down payment$80,455.51
Closing costs + prepaids$11,167.36
Total buyer cash needed$91,622.87
Remaining funds due$91,622.87
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%)$1,172.72
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 (24 days)$991.64
Fees + prepaids$11,167.36
Your down payment is the seller’s equity. You take over the $234,544 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $91,622.87 is due at closing. Uses and sources reconcile at $326,167.36 each. Not a Closing Disclosure.