Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$45,854Cash toward the purchase price.
Closing costs + prepaids$11,093Not just lender fees.
Before credits & paid funds$56,947The complete starting cash picture.
Estimated remaining funds due at closing
$56,947No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,853.92
Your down payment$45,853.92
Closing costs + prepaids$11,093.01
Total buyer cash needed$56,946.93
Remaining funds due$56,946.93
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%)$2,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,265.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$520.00
Prepaid interest, first (25 days)$1,099.28
Fees + prepaids$11,093.01
Your down payment is the seller’s equity. You take over the $253,146 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $56,946.93 is due at closing. Uses and sources reconcile at $310,093.01 each. Not a Closing Disclosure.