Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$144,452Cash toward the purchase price.
Closing costs + prepaids$10,409Not just lender fees.
Before credits & paid funds$154,862The complete starting cash picture.
Estimated remaining funds due at closing
$154,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,452.28
Your down payment$144,452.28
Closing costs + prepaids$10,409.44
Total buyer cash needed$154,861.72
Remaining funds due$154,861.72
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%)$852.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$488.75
Initial HOA (3 months)$324.00
Prepaid interest, first (27 days)$375.95
Fees + prepaids$10,409.44
Your down payment is the seller’s equity. You take over the $170,548 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $154,861.72 is due at closing. Uses and sources reconcile at $325,409.44 each. Not a Closing Disclosure.