Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$36,308Cash toward the purchase price.
Closing costs + prepaids$10,003Not just lender fees.
Before credits & paid funds$46,311The complete starting cash picture.
Estimated remaining funds due at closing
$46,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,308.25
Your down payment$36,308.25
Closing costs + prepaids$10,003.21
Total buyer cash needed$46,311.47
Remaining funds due$46,311.47
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%)$1,393.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$193.50
Prepaid interest, first (1 days)$48.26
Fees + prepaids$10,003.21
Your down payment is the seller’s equity. You take over the $278,692 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $46,311.47 is due at closing. Uses and sources reconcile at $325,003.21 each. Not a Closing Disclosure.