Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$35,856Cash toward the purchase price.
Closing costs + prepaids$11,032Not just lender fees.
Before credits & paid funds$46,887The complete starting cash picture.
Estimated remaining funds due at closing
$46,887No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,855.71
Your down payment$35,855.71
Closing costs + prepaids$11,031.67
Total buyer cash needed$46,887.38
Remaining funds due$46,887.38
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%)$3,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,365.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$3.75
Prepaid interest, first (26 days)$1,354.20
Fees + prepaids$11,031.67
Your down payment is the seller’s equity. You take over the $273,144 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $46,887.38 is due at closing. Uses and sources reconcile at $320,031.67 each. Not a Closing Disclosure.