Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$85,545Cash toward the purchase price.
Closing costs + prepaids$10,174Not just lender fees.
Before credits & paid funds$95,719The complete starting cash picture.
Estimated remaining funds due at closing
$95,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,545.15
Your down payment$85,545.15
Closing costs + prepaids$10,173.88
Total buyer cash needed$95,719.04
Remaining funds due$95,719.04
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%)$1,147.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$186.75
Prepaid interest, first (27 days)$471.86
Fees + prepaids$10,173.88
Your down payment is the seller’s equity. You take over the $229,455 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $95,719.04 is due at closing. Uses and sources reconcile at $325,173.88 each. Not a Closing Disclosure.