Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$43,474Cash toward the purchase price.
Closing costs + prepaids$10,189Not just lender fees.
Before credits & paid funds$53,663The complete starting cash picture.
Estimated remaining funds due at closing
$53,663No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,473.66
Your down payment$43,473.66
Closing costs + prepaids$10,189.20
Total buyer cash needed$53,662.86
Remaining funds due$53,662.86
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%)$3,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,282.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$15.50
Initial HOA (3 months)$30.00
Prepaid interest, first (30 days)$643.07
Fees + prepaids$10,189.20
Your down payment is the seller’s equity. You take over the $256,526 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $53,662.86 is due at closing. Uses and sources reconcile at $310,189.20 each. Not a Closing Disclosure.