Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$222,431Cash toward the purchase price.
Closing costs + prepaids$9,042Not just lender fees.
Before credits & paid funds$231,473The complete starting cash picture.
Estimated remaining funds due at closing
$231,473No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,430.58
Your down payment$222,430.58
Closing costs + prepaids$9,042.30
Total buyer cash needed$231,472.88
Remaining funds due$231,472.88
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%)$462.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$202.50
Prepaid interest, first (1 days)$8.95
Fees + prepaids$9,042.30
Your down payment is the seller’s equity. You take over the $92,569 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $231,472.88 is due at closing. Uses and sources reconcile at $324,042.30 each. Not a Closing Disclosure.