Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$31,630Cash toward the purchase price.
Closing costs + prepaids$11,584Not just lender fees.
Before credits & paid funds$43,213The complete starting cash picture.
Estimated remaining funds due at closing
$43,213No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,629.63
Your down payment$31,629.63
Closing costs + prepaids$11,583.70
Total buyer cash needed$43,213.33
Remaining funds due$43,213.33
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%)$1,366.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$762.50
Prepaid interest, first (24 days)$1,186.35
Fees + prepaids$11,583.70
Your down payment is the seller’s equity. You take over the $273,370 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $43,213.33 is due at closing. Uses and sources reconcile at $316,583.70 each. Not a Closing Disclosure.