Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$61,218Cash toward the purchase price.
Closing costs + prepaids$12,193Not just lender fees.
Before credits & paid funds$73,412The complete starting cash picture.
Estimated remaining funds due at closing
$73,412No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,218.42
Your down payment$61,218.42
Closing costs + prepaids$12,193.35
Total buyer cash needed$73,411.78
Remaining funds due$73,411.78
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%)$3,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,218.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$934.00
Initial HOA (3 months)$660.00
Prepaid interest, first (24 days)$1,112.45
Fees + prepaids$12,193.35
Your down payment is the seller’s equity. You take over the $243,782 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $73,411.78 is due at closing. Uses and sources reconcile at $317,193.35 each. Not a Closing Disclosure.