Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$105,279Cash toward the purchase price.
Closing costs + prepaids$10,551Not just lender fees.
Before credits & paid funds$115,830The complete starting cash picture.
Estimated remaining funds due at closing
$115,830No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,279.16
Your down payment$105,279.16
Closing costs + prepaids$10,551.31
Total buyer cash needed$115,830.47
Remaining funds due$115,830.47
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%)$1,048.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$459.25
Initial HOA (3 months)$279.00
Prepaid interest, first (20 days)$396.46
Fees + prepaids$10,551.31
Your down payment is the seller’s equity. You take over the $209,721 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $115,830.47 is due at closing. Uses and sources reconcile at $325,551.31 each. Not a Closing Disclosure.