Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$61,785Cash toward the purchase price.
Closing costs + prepaids$11,457Not just lender fees.
Before credits & paid funds$73,241The complete starting cash picture.
Estimated remaining funds due at closing
$73,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,784.71
Your down payment$61,784.71
Closing costs + prepaids$11,456.60
Total buyer cash needed$73,241.31
Remaining funds due$73,241.31
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%)$3,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,191.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$890.25
Prepaid interest, first (26 days)$1,157.27
Fees + prepaids$11,456.60
Your down payment is the seller’s equity. You take over the $238,215 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $73,241.31 is due at closing. Uses and sources reconcile at $311,456.60 each. Not a Closing Disclosure.