Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$34,694Cash toward the purchase price.
Closing costs + prepaids$11,006Not just lender fees.
Before credits & paid funds$45,700The complete starting cash picture.
Estimated remaining funds due at closing
$45,700No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,694.23
Your down payment$34,694.23
Closing costs + prepaids$11,006.24
Total buyer cash needed$45,700.47
Remaining funds due$45,700.47
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%)$3,060.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,356.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$185.25
Prepaid interest, first (23 days)$1,186.46
Fees + prepaids$11,006.24
Your down payment is the seller’s equity. You take over the $271,306 balance, so the rest of the $306,000 price is paid at closing. A second mortgage can cover part of it. $45,700.47 is due at closing. Uses and sources reconcile at $317,006.24 each. Not a Closing Disclosure.