Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$39,469Cash toward the purchase price.
Closing costs + prepaids$12,051Not just lender fees.
Before credits & paid funds$51,519The complete starting cash picture.
Estimated remaining funds due at closing
$51,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,468.86
Your down payment$39,468.86
Closing costs + prepaids$12,050.58
Total buyer cash needed$51,519.44
Remaining funds due$51,519.44
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%)$3,130.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,367.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$782.50
Initial HOA (3 months)$1,455.00
Prepaid interest, first (2 days)$97.42
Fees + prepaids$12,050.58
Your down payment is the seller’s equity. You take over the $273,531 balance, so the rest of the $313,000 price is paid at closing. A second mortgage can cover part of it. $51,519.44 is due at closing. Uses and sources reconcile at $325,050.58 each. Not a Closing Disclosure.