Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$41,821Cash toward the purchase price.
Closing costs + prepaids$11,844Not just lender fees.
Before credits & paid funds$53,665The complete starting cash picture.
Estimated remaining funds due at closing
$53,665No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,820.99
Your down payment$41,820.99
Closing costs + prepaids$11,844.39
Total buyer cash needed$53,665.39
Remaining funds due$53,665.39
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%)$3,149.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,365.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$787.50
Initial HOA (3 months)$40.50
Prepaid interest, first (28 days)$1,282.51
Fees + prepaids$11,844.39
Your down payment is the seller’s equity. You take over the $273,178 balance, so the rest of the $314,999 price is paid at closing. A second mortgage can cover part of it. $53,665.39 is due at closing. Uses and sources reconcile at $326,843.39 each. Not a Closing Disclosure.