Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$46,819Cash toward the purchase price.
Closing costs + prepaids$11,579Not just lender fees.
Before credits & paid funds$58,397The complete starting cash picture.
Estimated remaining funds due at closing
$58,397No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,818.84
Your down payment$46,818.84
Closing costs + prepaids$11,578.55
Total buyer cash needed$58,397.39
Remaining funds due$58,397.39
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%)$3,098.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,315.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$388.00
Initial HOA (3 months)$446.01
Prepaid interest, first (23 days)$1,112.31
Fees + prepaids$11,578.55
Your down payment is the seller’s equity. You take over the $263,069 balance, so the rest of the $309,888 price is paid at closing. A second mortgage can cover part of it. $58,397.39 is due at closing. Uses and sources reconcile at $321,466.55 each. Not a Closing Disclosure.