Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$61,648Cash toward the purchase price.
Closing costs + prepaids$10,241Not just lender fees.
Before credits & paid funds$71,889The complete starting cash picture.
Estimated remaining funds due at closing
$71,889No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,647.88
Your down payment$61,647.88
Closing costs + prepaids$10,240.90
Total buyer cash needed$71,888.78
Remaining funds due$71,888.78
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%)$3,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,216.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$212.00
Initial HOA (3 months)$525.00
Prepaid interest, first (1 days)$19.13
Fees + prepaids$10,240.90
Your down payment is the seller’s equity. You take over the $243,352 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $71,888.78 is due at closing. Uses and sources reconcile at $315,240.90 each. Not a Closing Disclosure.