Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$107,088Cash toward the purchase price.
Closing costs + prepaids$9,950Not just lender fees.
Before credits & paid funds$117,038The complete starting cash picture.
Estimated remaining funds due at closing
$117,038No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,088.09
Your down payment$107,088.09
Closing costs + prepaids$9,950.18
Total buyer cash needed$117,038.27
Remaining funds due$117,038.27
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%)$1,039.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$378.00
Prepaid interest, first (10 days)$164.62
Fees + prepaids$9,950.18
Your down payment is the seller’s equity. You take over the $207,912 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $117,038.27 is due at closing. Uses and sources reconcile at $324,950.18 each. Not a Closing Disclosure.