Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$59,358Cash toward the purchase price.
Closing costs + prepaids$13,042Not just lender fees.
Before credits & paid funds$72,399The complete starting cash picture.
Estimated remaining funds due at closing
$72,399No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,357.63
Your down payment$59,357.63
Closing costs + prepaids$13,041.60
Total buyer cash needed$72,399.23
Remaining funds due$72,399.23
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%)$1,253.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,174.75
Initial HOA (3 months)$1,725.00
Prepaid interest, first (30 days)$570.64
Fees + prepaids$13,041.60
Your down payment is the seller’s equity. You take over the $250,642 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $72,399.23 is due at closing. Uses and sources reconcile at $323,041.60 each. Not a Closing Disclosure.