Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$30,970Cash toward the purchase price.
Closing costs + prepaids$11,423Not just lender fees.
Before credits & paid funds$42,393The complete starting cash picture.
Estimated remaining funds due at closing
$42,393No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,970.40
Your down payment$30,970.40
Closing costs + prepaids$11,423.01
Total buyer cash needed$42,393.41
Remaining funds due$42,393.41
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%)$3,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,370.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$452.25
Prepaid interest, first (25 days)$1,332.61
Fees + prepaids$11,423.01
Your down payment is the seller’s equity. You take over the $274,030 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $42,393.41 is due at closing. Uses and sources reconcile at $316,423.01 each. Not a Closing Disclosure.