Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$35,284Cash toward the purchase price.
Closing costs + prepaids$12,190Not just lender fees.
Before credits & paid funds$47,473The complete starting cash picture.
Estimated remaining funds due at closing
$47,473No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,283.85
Your down payment$35,283.85
Closing costs + prepaids$12,189.50
Total buyer cash needed$47,473.36
Remaining funds due$47,473.36
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%)$3,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,373.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,206.00
Initial HOA (3 months)$47.49
Prepaid interest, first (30 days)$1,245.93
Fees + prepaids$12,189.50
Your down payment is the seller’s equity. You take over the $274,616 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $47,473.36 is due at closing. Uses and sources reconcile at $322,089.50 each. Not a Closing Disclosure.