Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$23,175Cash toward the purchase price.
Closing costs + prepaids$11,810Not just lender fees.
Before credits & paid funds$34,985The complete starting cash picture.
Estimated remaining funds due at closing
$34,985No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,174.65
Your down payment$23,174.65
Closing costs + prepaids$11,810.02
Total buyer cash needed$34,984.66
Remaining funds due$34,984.66
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%)$1,459.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$197.00
Initial HOA (3 months)$666.00
Prepaid interest, first (21 days)$1,119.89
Fees + prepaids$11,810.02
Your down payment is the seller’s equity. You take over the $291,825 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $34,984.66 is due at closing. Uses and sources reconcile at $326,810.02 each. Not a Closing Disclosure.