Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$56,574Cash toward the purchase price.
Closing costs + prepaids$11,383Not just lender fees.
Before credits & paid funds$67,957The complete starting cash picture.
Estimated remaining funds due at closing
$67,957No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,573.95
Your down payment$56,573.95
Closing costs + prepaids$11,383.09
Total buyer cash needed$67,957.04
Remaining funds due$67,957.04
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%)$3,070.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,252.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$767.50
Prepaid interest, first (25 days)$1,075.46
Fees + prepaids$11,383.09
Your down payment is the seller’s equity. You take over the $250,426 balance, so the rest of the $307,000 price is paid at closing. A second mortgage can cover part of it. $67,957.04 is due at closing. Uses and sources reconcile at $318,383.09 each. Not a Closing Disclosure.