Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$52,428Cash toward the purchase price.
Closing costs + prepaids$10,825Not just lender fees.
Before credits & paid funds$63,254The complete starting cash picture.
Estimated remaining funds due at closing
$63,254No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,428.29
Your down payment$52,428.29
Closing costs + prepaids$10,825.42
Total buyer cash needed$63,253.71
Remaining funds due$63,253.71
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%)$3,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,337.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (24 days)$1,071.06
Fees + prepaids$10,825.42
Your down payment is the seller’s equity. You take over the $267,472 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $63,253.71 is due at closing. Uses and sources reconcile at $330,725.42 each. Not a Closing Disclosure.