Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$3,192Cash toward the purchase price.
Closing costs + prepaids$12,015Not just lender fees.
Before credits & paid funds$15,208The complete starting cash picture.
Estimated remaining funds due at closing
$15,208No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,192.28
Your down payment$3,192.28
Closing costs + prepaids$12,015.30
Total buyer cash needed$15,207.58
Remaining funds due$15,207.58
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%)$1,559.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$500.25
Initial HOA (3 months)$105.00
Prepaid interest, first (28 days)$1,483.01
Fees + prepaids$12,015.30
Your down payment is the seller’s equity. You take over the $311,808 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $15,207.58 is due at closing. Uses and sources reconcile at $327,015.30 each. Not a Closing Disclosure.