Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$79,258Cash toward the purchase price.
Closing costs + prepaids$11,340Not just lender fees.
Before credits & paid funds$90,598The complete starting cash picture.
Estimated remaining funds due at closing
$90,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,258.17
Your down payment$79,258.17
Closing costs + prepaids$11,340.07
Total buyer cash needed$90,598.24
Remaining funds due$90,598.24
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%)$1,178.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$378.00
Initial HOA (3 months)$1,230.00
Prepaid interest, first (10 days)$185.36
Fees + prepaids$11,340.07
Your down payment is the seller’s equity. You take over the $235,742 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $90,598.24 is due at closing. Uses and sources reconcile at $326,340.07 each. Not a Closing Disclosure.