Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$117,012Cash toward the purchase price.
Closing costs + prepaids$10,998Not just lender fees.
Before credits & paid funds$128,010The complete starting cash picture.
Estimated remaining funds due at closing
$128,010No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,012.46
Your down payment$117,012.46
Closing costs + prepaids$10,997.88
Total buyer cash needed$128,010.34
Remaining funds due$128,010.34
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%)$989.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$664.50
Initial HOA (3 months)$594.00
Prepaid interest, first (24 days)$381.44
Fees + prepaids$10,997.88
Your down payment is the seller’s equity. You take over the $197,988 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $128,010.34 is due at closing. Uses and sources reconcile at $325,997.88 each. Not a Closing Disclosure.