Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$53,291Cash toward the purchase price.
Closing costs + prepaids$10,790Not just lender fees.
Before credits & paid funds$64,080The complete starting cash picture.
Estimated remaining funds due at closing
$64,080No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,290.54
Your down payment$53,290.54
Closing costs + prepaids$10,789.52
Total buyer cash needed$64,080.07
Remaining funds due$64,080.07
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%)$2,960.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,213.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$208.50
Prepaid interest, first (26 days)$1,189.48
Fees + prepaids$10,789.52
Your down payment is the seller’s equity. You take over the $242,709 balance, so the rest of the $296,000 price is paid at closing. A second mortgage can cover part of it. $64,080.07 is due at closing. Uses and sources reconcile at $306,789.52 each. Not a Closing Disclosure.