Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$123,501Cash toward the purchase price.
Closing costs + prepaids$10,217Not just lender fees.
Before credits & paid funds$133,717The complete starting cash picture.
Estimated remaining funds due at closing
$133,717No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,500.70
Your down payment$123,500.70
Closing costs + prepaids$10,216.68
Total buyer cash needed$133,717.38
Remaining funds due$133,717.38
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%)$957.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$803.25
Prepaid interest, first (4 days)$87.93
Fees + prepaids$10,216.68
Your down payment is the seller’s equity. You take over the $191,499 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $133,717.38 is due at closing. Uses and sources reconcile at $325,216.68 each. Not a Closing Disclosure.