Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$31,570Cash toward the purchase price.
Closing costs + prepaids$11,582Not just lender fees.
Before credits & paid funds$43,152The complete starting cash picture.
Estimated remaining funds due at closing
$43,152No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,569.69
Your down payment$31,569.69
Closing costs + prepaids$11,582.48
Total buyer cash needed$43,152.17
Remaining funds due$43,152.17
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%)$3,040.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,362.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$401.25
Initial HOA (3 months)$390.00
Prepaid interest, first (30 days)$1,171.08
Fees + prepaids$11,582.48
Your down payment is the seller’s equity. You take over the $272,430 balance, so the rest of the $304,000 price is paid at closing. A second mortgage can cover part of it. $43,152.17 is due at closing. Uses and sources reconcile at $315,582.48 each. Not a Closing Disclosure.