Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$45,741Cash toward the purchase price.
Closing costs + prepaids$11,408Not just lender fees.
Before credits & paid funds$57,149The complete starting cash picture.
Estimated remaining funds due at closing
$57,149No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,741.13
Your down payment$45,741.13
Closing costs + prepaids$11,407.61
Total buyer cash needed$57,148.74
Remaining funds due$57,148.74
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%)$3,047.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,295.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$349.00
Prepaid interest, first (31 days)$1,498.06
Fees + prepaids$11,407.61
Your down payment is the seller’s equity. You take over the $259,009 balance, so the rest of the $304,750 price is paid at closing. A second mortgage can cover part of it. $57,148.74 is due at closing. Uses and sources reconcile at $316,157.61 each. Not a Closing Disclosure.