Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$67,262Cash toward the purchase price.
Closing costs + prepaids$10,957Not just lender fees.
Before credits & paid funds$78,219The complete starting cash picture.
Estimated remaining funds due at closing
$78,219No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,261.90
Your down payment$67,261.90
Closing costs + prepaids$10,957.45
Total buyer cash needed$78,219.35
Remaining funds due$78,219.35
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%)$3,080.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,203.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$126.75
Prepaid interest, first (31 days)$1,329.01
Fees + prepaids$10,957.45
Your down payment is the seller’s equity. You take over the $240,738 balance, so the rest of the $308,000 price is paid at closing. A second mortgage can cover part of it. $78,219.35 is due at closing. Uses and sources reconcile at $318,957.45 each. Not a Closing Disclosure.