Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$49,373Cash toward the purchase price.
Closing costs + prepaids$11,028Not just lender fees.
Before credits & paid funds$60,401The complete starting cash picture.
Estimated remaining funds due at closing
$60,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,373.07
Your down payment$49,373.07
Closing costs + prepaids$11,027.90
Total buyer cash needed$60,400.97
Remaining funds due$60,400.97
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%)$3,120.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,313.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$114.00
Prepaid interest, first (27 days)$1,262.77
Fees + prepaids$11,027.90
Your down payment is the seller’s equity. You take over the $262,627 balance, so the rest of the $312,000 price is paid at closing. A second mortgage can cover part of it. $60,400.97 is due at closing. Uses and sources reconcile at $323,027.90 each. Not a Closing Disclosure.