Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$23,697Cash toward the purchase price.
Closing costs + prepaids$11,723Not just lender fees.
Before credits & paid funds$35,419The complete starting cash picture.
Estimated remaining funds due at closing
$35,419No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,696.82
Your down payment$23,696.82
Closing costs + prepaids$11,722.57
Total buyer cash needed$35,419.39
Remaining funds due$35,419.39
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%)$1,456.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$431.00
Prepaid interest, first (26 days)$1,467.05
Fees + prepaids$11,722.57
Your down payment is the seller’s equity. You take over the $291,303 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $35,419.39 is due at closing. Uses and sources reconcile at $326,722.57 each. Not a Closing Disclosure.