Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$35,527Cash toward the purchase price.
Closing costs + prepaids$10,857Not just lender fees.
Before credits & paid funds$46,384The complete starting cash picture.
Estimated remaining funds due at closing
$46,384No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,527.45
Your down payment$35,527.45
Closing costs + prepaids$10,856.74
Total buyer cash needed$46,384.19
Remaining funds due$46,384.19
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%)$3,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,372.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$264.00
Prepaid interest, first (30 days)$902.38
Fees + prepaids$10,856.74
Your down payment is the seller’s equity. You take over the $274,473 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $46,384.19 is due at closing. Uses and sources reconcile at $320,856.74 each. Not a Closing Disclosure.