Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$25,120Cash toward the purchase price.
Closing costs + prepaids$10,823Not just lender fees.
Before credits & paid funds$35,943The complete starting cash picture.
Estimated remaining funds due at closing
$35,943No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,119.76
Your down payment$25,119.76
Closing costs + prepaids$10,823.12
Total buyer cash needed$35,942.88
Remaining funds due$35,942.88
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%)$1,424.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$403.25
Prepaid interest, first (28 days)$677.47
Fees + prepaids$10,823.12
Your down payment is the seller’s equity. You take over the $284,880 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $35,942.88 is due at closing. Uses and sources reconcile at $320,823.12 each. Not a Closing Disclosure.