Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$42,510Cash toward the purchase price.
Closing costs + prepaids$11,088Not just lender fees.
Before credits & paid funds$53,597The complete starting cash picture.
Estimated remaining funds due at closing
$53,597No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,509.50
Your down payment$42,509.50
Closing costs + prepaids$11,087.75
Total buyer cash needed$53,597.26
Remaining funds due$53,597.26
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%)$2,998.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,286.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$529.75
Prepaid interest, first (23 days)$1,054.20
Fees + prepaids$11,087.75
Your down payment is the seller’s equity. You take over the $257,380 balance, so the rest of the $299,890 price is paid at closing. A second mortgage can cover part of it. $53,597.26 is due at closing. Uses and sources reconcile at $310,977.75 each. Not a Closing Disclosure.