Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$42,228Cash toward the purchase price.
Closing costs + prepaids$11,210Not just lender fees.
Before credits & paid funds$53,438The complete starting cash picture.
Estimated remaining funds due at closing
$53,438No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,228.00
Your down payment$42,228.00
Closing costs + prepaids$11,209.64
Total buyer cash needed$53,437.64
Remaining funds due$53,437.64
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%)$3,021.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,299.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$480.50
Prepaid interest, first (25 days)$1,190.78
Fees + prepaids$11,209.64
Your down payment is the seller’s equity. You take over the $259,872 balance, so the rest of the $302,100 price is paid at closing. A second mortgage can cover part of it. $53,437.64 is due at closing. Uses and sources reconcile at $313,309.64 each. Not a Closing Disclosure.