Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$199,899Cash toward the purchase price.
Closing costs + prepaids$9,452Not just lender fees.
Before credits & paid funds$209,351The complete starting cash picture.
Estimated remaining funds due at closing
$209,351No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,899.46
Your down payment$199,899.46
Closing costs + prepaids$9,451.77
Total buyer cash needed$209,351.24
Remaining funds due$209,351.24
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%)$575.50
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)$130.27
Fees + prepaids$9,451.77
Your down payment is the seller’s equity. You take over the $115,101 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $209,351.24 is due at closing. Uses and sources reconcile at $324,451.77 each. Not a Closing Disclosure.