Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$39,360Cash toward the purchase price.
Closing costs + prepaids$11,763Not just lender fees.
Before credits & paid funds$51,123The complete starting cash picture.
Estimated remaining funds due at closing
$51,123No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,359.86
Your down payment$39,359.86
Closing costs + prepaids$11,762.97
Total buyer cash needed$51,122.83
Remaining funds due$51,122.83
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%)$3,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,377.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$787.25
Prepaid interest, first (23 days)$1,231.02
Fees + prepaids$11,762.97
Your down payment is the seller’s equity. You take over the $275,540 balance, so the rest of the $314,900 price is paid at closing. A second mortgage can cover part of it. $51,122.83 is due at closing. Uses and sources reconcile at $326,662.97 each. Not a Closing Disclosure.