Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$42,357Cash toward the purchase price.
Closing costs + prepaids$10,128Not just lender fees.
Before credits & paid funds$52,484The complete starting cash picture.
Estimated remaining funds due at closing
$52,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,356.58
Your down payment$42,356.58
Closing costs + prepaids$10,127.58
Total buyer cash needed$52,484.16
Remaining funds due$52,484.16
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%)$2,999.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,288.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$529.75
Prepaid interest, first (2 days)$91.76
Fees + prepaids$10,127.58
Your down payment is the seller’s equity. You take over the $257,633 balance, so the rest of the $299,990 price is paid at closing. A second mortgage can cover part of it. $52,484.16 is due at closing. Uses and sources reconcile at $310,117.58 each. Not a Closing Disclosure.