Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$45,522Cash toward the purchase price.
Closing costs + prepaids$10,538Not just lender fees.
Before credits & paid funds$56,060The complete starting cash picture.
Estimated remaining funds due at closing
$56,060No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,521.53
Your down payment$45,521.53
Closing costs + prepaids$10,538.18
Total buyer cash needed$56,059.71
Remaining funds due$56,059.71
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%)$3,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,297.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$403.50
Prepaid interest, first (28 days)$569.29
Fees + prepaids$10,538.18
Your down payment is the seller’s equity. You take over the $259,478 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $56,059.71 is due at closing. Uses and sources reconcile at $315,538.18 each. Not a Closing Disclosure.