Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$51,260Cash toward the purchase price.
Closing costs + prepaids$11,128Not just lender fees.
Before credits & paid funds$62,388The complete starting cash picture.
Estimated remaining funds due at closing
$62,388No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,259.82
Your down payment$51,259.82
Closing costs + prepaids$11,127.72
Total buyer cash needed$62,387.54
Remaining funds due$62,387.54
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%)$3,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,293.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$897.75
Initial HOA (3 months)$68.76
Prepaid interest, first (27 days)$551.01
Fees + prepaids$11,127.72
Your down payment is the seller’s equity. You take over the $258,640 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $62,387.54 is due at closing. Uses and sources reconcile at $321,027.72 each. Not a Closing Disclosure.