Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$50,685Cash toward the purchase price.
Closing costs + prepaids$10,636Not just lender fees.
Before credits & paid funds$61,322The complete starting cash picture.
Estimated remaining funds due at closing
$61,322No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,685.40
Your down payment$50,685.40
Closing costs + prepaids$10,636.11
Total buyer cash needed$61,321.51
Remaining funds due$61,321.51
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%)$1,271.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$465.75
Initial HOA (3 months)$582.99
Prepaid interest, first (1 days)$47.80
Fees + prepaids$10,636.11
Your down payment is the seller’s equity. You take over the $254,315 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $61,321.51 is due at closing. Uses and sources reconcile at $315,636.11 each. Not a Closing Disclosure.