Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$42,694Cash toward the purchase price.
Closing costs + prepaids$10,626Not just lender fees.
Before credits & paid funds$53,320The complete starting cash picture.
Estimated remaining funds due at closing
$53,320No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,694.03
Your down payment$42,694.03
Closing costs + prepaids$10,626.14
Total buyer cash needed$53,320.17
Remaining funds due$53,320.17
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%)$1,361.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$223.75
Prepaid interest, first (29 days)$672.86
Fees + prepaids$10,626.14
Your down payment is the seller’s equity. You take over the $272,306 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $53,320.17 is due at closing. Uses and sources reconcile at $325,626.14 each. Not a Closing Disclosure.