Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$55,321Cash toward the purchase price.
Closing costs + prepaids$11,222Not just lender fees.
Before credits & paid funds$66,542The complete starting cash picture.
Estimated remaining funds due at closing
$66,542No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,320.77
Your down payment$55,320.77
Closing costs + prepaids$11,221.62
Total buyer cash needed$66,542.39
Remaining funds due$66,542.39
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%)$3,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,268.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$160.75
Prepaid interest, first (31 days)$1,484.48
Fees + prepaids$11,221.62
Your down payment is the seller’s equity. You take over the $253,679 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $66,542.39 is due at closing. Uses and sources reconcile at $320,221.62 each. Not a Closing Disclosure.