Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$31,205Cash toward the purchase price.
Closing costs + prepaids$12,378Not just lender fees.
Before credits & paid funds$43,583The complete starting cash picture.
Estimated remaining funds due at closing
$43,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,205.49
Your down payment$31,205.49
Closing costs + prepaids$12,377.92
Total buyer cash needed$43,583.41
Remaining funds due$43,583.41
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%)$1,368.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,801.75
Initial HOA (3 months)$285.99
Prepaid interest, first (28 days)$653.21
Fees + prepaids$12,377.92
Your down payment is the seller’s equity. You take over the $273,795 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $43,583.41 is due at closing. Uses and sources reconcile at $317,377.92 each. Not a Closing Disclosure.