Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$284,527Cash toward the purchase price.
Closing costs + prepaids$8,964Not just lender fees.
Before credits & paid funds$293,491The complete starting cash picture.
Estimated remaining funds due at closing
$293,491No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,527.02
Your down payment$284,527.02
Closing costs + prepaids$8,963.61
Total buyer cash needed$293,490.64
Remaining funds due$293,490.64
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%)$152.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$259.75
Prepaid interest, first (31 days)$183.50
Fees + prepaids$8,963.61
Your down payment is the seller’s equity. You take over the $30,473 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $293,490.64 is due at closing. Uses and sources reconcile at $323,963.61 each. Not a Closing Disclosure.