Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$222,776Cash toward the purchase price.
Closing costs + prepaids$9,359Not just lender fees.
Before credits & paid funds$232,135The complete starting cash picture.
Estimated remaining funds due at closing
$232,135No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,775.76
Your down payment$222,775.76
Closing costs + prepaids$9,358.75
Total buyer cash needed$232,134.51
Remaining funds due$232,134.51
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%)$461.12
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 (17 days)$151.63
Fees + prepaids$9,358.75
Your down payment is the seller’s equity. You take over the $92,224 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $232,134.51 is due at closing. Uses and sources reconcile at $324,358.75 each. Not a Closing Disclosure.