Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$35,284Cash toward the purchase price.
Closing costs + prepaids$11,857Not just lender fees.
Before credits & paid funds$47,141The complete starting cash picture.
Estimated remaining funds due at closing
$47,141No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,283.85
Your down payment$35,283.85
Closing costs + prepaids$11,857.25
Total buyer cash needed$47,141.11
Remaining funds due$47,141.11
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%)$3,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,373.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,206.00
Initial HOA (3 months)$47.49
Prepaid interest, first (22 days)$913.68
Fees + prepaids$11,857.25
Your down payment is the seller’s equity. You take over the $274,616 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $47,141.11 is due at closing. Uses and sources reconcile at $321,757.25 each. Not a Closing Disclosure.