Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$284,039Cash toward the purchase price.
Closing costs + prepaids$8,789Not just lender fees.
Before credits & paid funds$292,827The complete starting cash picture.
Estimated remaining funds due at closing
$292,827No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,038.60
Your down payment$284,038.60
Closing costs + prepaids$8,788.57
Total buyer cash needed$292,827.17
Remaining funds due$292,827.17
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%)$154.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$259.75
Prepaid interest, first (1 days)$6.01
Fees + prepaids$8,788.57
Your down payment is the seller’s equity. You take over the $30,961 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $292,827.17 is due at closing. Uses and sources reconcile at $323,788.57 each. Not a Closing Disclosure.