Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$34,859Cash toward the purchase price.
Closing costs + prepaids$10,901Not just lender fees.
Before credits & paid funds$45,760The complete starting cash picture.
Estimated remaining funds due at closing
$45,760No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,858.82
Your down payment$34,858.82
Closing costs + prepaids$10,900.72
Total buyer cash needed$45,759.54
Remaining funds due$45,759.54
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%)$1,375.71
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)$943.02
Fees + prepaids$10,900.72
Your down payment is the seller’s equity. You take over the $275,141 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $45,759.54 is due at closing. Uses and sources reconcile at $320,900.72 each. Not a Closing Disclosure.