Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$93,892Cash toward the purchase price.
Closing costs + prepaids$9,847Not just lender fees.
Before credits & paid funds$103,739The complete starting cash picture.
Estimated remaining funds due at closing
$103,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,892.43
Your down payment$93,892.43
Closing costs + prepaids$9,847.02
Total buyer cash needed$103,739.46
Remaining funds due$103,739.46
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%)$1,105.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$357.25
Prepaid interest, first (1 days)$16.23
Fees + prepaids$9,847.02
Your down payment is the seller’s equity. You take over the $221,108 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $103,739.46 is due at closing. Uses and sources reconcile at $324,847.02 each. Not a Closing Disclosure.