Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$64,510Cash toward the purchase price.
Closing costs + prepaids$11,788Not just lender fees.
Before credits & paid funds$76,298The complete starting cash picture.
Estimated remaining funds due at closing
$76,298No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,509.77
Your down payment$64,509.77
Closing costs + prepaids$11,788.15
Total buyer cash needed$76,297.91
Remaining funds due$76,297.91
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%)$1,227.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,496.00
Prepaid interest, first (26 days)$746.69
Fees + prepaids$11,788.15
Your down payment is the seller’s equity. You take over the $245,490 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $76,297.91 is due at closing. Uses and sources reconcile at $321,788.15 each. Not a Closing Disclosure.