Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$45,065Cash toward the purchase price.
Closing costs + prepaids$10,557Not just lender fees.
Before credits & paid funds$55,623The complete starting cash picture.
Estimated remaining funds due at closing
$55,623No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,065.22
Your down payment$45,065.22
Closing costs + prepaids$10,557.42
Total buyer cash needed$55,622.63
Remaining funds due$55,622.63
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%)$1,299.67
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)$586.24
Fees + prepaids$10,557.42
Your down payment is the seller’s equity. You take over the $259,935 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $55,622.63 is due at closing. Uses and sources reconcile at $315,557.42 each. Not a Closing Disclosure.