Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$52,353Cash toward the purchase price.
Closing costs + prepaids$11,082Not just lender fees.
Before credits & paid funds$63,435The complete starting cash picture.
Estimated remaining funds due at closing
$63,435No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,353.25
Your down payment$52,353.25
Closing costs + prepaids$11,081.91
Total buyer cash needed$63,435.16
Remaining funds due$63,435.16
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%)$3,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,333.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$561.25
Initial HOA (3 months)$237.00
Prepaid interest, first (27 days)$542.43
Fees + prepaids$11,081.91
Your down payment is the seller’s equity. You take over the $266,647 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $63,435.16 is due at closing. Uses and sources reconcile at $330,081.91 each. Not a Closing Disclosure.