Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$46,516Cash toward the purchase price.
Closing costs + prepaids$11,709Not just lender fees.
Before credits & paid funds$58,225The complete starting cash picture.
Estimated remaining funds due at closing
$58,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,516.27
Your down payment$46,516.27
Closing costs + prepaids$11,709.00
Total buyer cash needed$58,225.27
Remaining funds due$58,225.27
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%)$3,120.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,327.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$316.50
Initial HOA (3 months)$156.00
Prepaid interest, first (30 days)$1,571.08
Fees + prepaids$11,709.00
Your down payment is the seller’s equity. You take over the $265,484 balance, so the rest of the $312,000 price is paid at closing. A second mortgage can cover part of it. $58,225.27 is due at closing. Uses and sources reconcile at $323,709.00 each. Not a Closing Disclosure.