Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$84,720Cash toward the purchase price.
Closing costs + prepaids$10,660Not just lender fees.
Before credits & paid funds$95,380The complete starting cash picture.
Estimated remaining funds due at closing
$95,380No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,719.52
Your down payment$84,719.52
Closing costs + prepaids$10,660.34
Total buyer cash needed$95,379.86
Remaining funds due$95,379.86
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%)$1,151.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$566.25
Initial HOA (3 months)$81.00
Prepaid interest, first (25 days)$493.68
Fees + prepaids$10,660.34
Your down payment is the seller’s equity. You take over the $230,280 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $95,379.86 is due at closing. Uses and sources reconcile at $325,660.34 each. Not a Closing Disclosure.