Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$94,430Cash toward the purchase price.
Closing costs + prepaids$9,995Not just lender fees.
Before credits & paid funds$104,425The complete starting cash picture.
Estimated remaining funds due at closing
$104,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,430.21
Your down payment$94,430.21
Closing costs + prepaids$9,994.61
Total buyer cash needed$104,424.82
Remaining funds due$104,424.82
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%)$1,102.85
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 (9 days)$145.76
Fees + prepaids$9,994.61
Your down payment is the seller’s equity. You take over the $220,570 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $104,424.82 is due at closing. Uses and sources reconcile at $324,994.61 each. Not a Closing Disclosure.