Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$89,907Cash toward the purchase price.
Closing costs + prepaids$10,616Not just lender fees.
Before credits & paid funds$100,523The complete starting cash picture.
Estimated remaining funds due at closing
$100,523No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,906.58
Your down payment$89,906.58
Closing costs + prepaids$10,616.01
Total buyer cash needed$100,522.58
Remaining funds due$100,522.58
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%)$1,125.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$434.00
Prepaid interest, first (29 days)$688.54
Fees + prepaids$10,616.01
Your down payment is the seller’s equity. You take over the $225,093 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $100,522.58 is due at closing. Uses and sources reconcile at $325,616.01 each. Not a Closing Disclosure.