Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$39,439Cash toward the purchase price.
Closing costs + prepaids$11,381Not just lender fees.
Before credits & paid funds$50,820The complete starting cash picture.
Estimated remaining funds due at closing
$50,820No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,439.48
Your down payment$39,439.48
Closing costs + prepaids$11,380.84
Total buyer cash needed$50,820.32
Remaining funds due$50,820.32
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%)$1,352.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$40.00
Initial HOA (3 months)$507.00
Prepaid interest, first (30 days)$1,163.04
Fees + prepaids$11,380.84
Your down payment is the seller’s equity. You take over the $270,561 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $50,820.32 is due at closing. Uses and sources reconcile at $321,380.84 each. Not a Closing Disclosure.