Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$56,531Cash toward the purchase price.
Closing costs + prepaids$11,358Not just lender fees.
Before credits & paid funds$67,889The complete starting cash picture.
Estimated remaining funds due at closing
$67,889No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,531.27
Your down payment$56,531.27
Closing costs + prepaids$11,357.65
Total buyer cash needed$67,888.91
Remaining funds due$67,888.91
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%)$1,292.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$560.75
Prepaid interest, first (25 days)$1,136.55
Fees + prepaids$11,357.65
Your down payment is the seller’s equity. You take over the $258,469 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $67,888.91 is due at closing. Uses and sources reconcile at $326,357.65 each. Not a Closing Disclosure.