Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$75,995Cash toward the purchase price.
Closing costs + prepaids$10,742Not just lender fees.
Before credits & paid funds$86,737The complete starting cash picture.
Estimated remaining funds due at closing
$86,737No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,994.62
Your down payment$75,994.62
Closing costs + prepaids$10,742.42
Total buyer cash needed$86,737.03
Remaining funds due$86,737.03
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%)$1,195.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$575.00
Prepaid interest, first (26 days)$604.39
Fees + prepaids$10,742.42
Your down payment is the seller’s equity. You take over the $239,005 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $86,737.03 is due at closing. Uses and sources reconcile at $325,742.42 each. Not a Closing Disclosure.