Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$15,793Cash toward the purchase price.
Closing costs + prepaids$11,903Not just lender fees.
Before credits & paid funds$27,696The complete starting cash picture.
Estimated remaining funds due at closing
$27,696No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,792.66
Your down payment$15,792.66
Closing costs + prepaids$11,903.20
Total buyer cash needed$27,695.86
Remaining funds due$27,695.86
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%)$3,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,471.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$775.00
Prepaid interest, first (26 days)$1,339.17
Fees + prepaids$11,903.20
Your down payment is the seller’s equity. You take over the $294,207 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $27,695.86 is due at closing. Uses and sources reconcile at $321,903.20 each. Not a Closing Disclosure.