Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$48,577Cash toward the purchase price.
Closing costs + prepaids$11,257Not just lender fees.
Before credits & paid funds$59,834The complete starting cash picture.
Estimated remaining funds due at closing
$59,834No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,577.35
Your down payment$48,577.35
Closing costs + prepaids$11,256.68
Total buyer cash needed$59,834.03
Remaining funds due$59,834.03
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%)$3,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,356.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$138.50
Prepaid interest, first (28 days)$1,344.57
Fees + prepaids$11,256.68
Your down payment is the seller’s equity. You take over the $271,323 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $59,834.03 is due at closing. Uses and sources reconcile at $331,156.68 each. Not a Closing Disclosure.