Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$51,547Cash toward the purchase price.
Closing costs + prepaids$11,107Not just lender fees.
Before credits & paid funds$62,653The complete starting cash picture.
Estimated remaining funds due at closing
$62,653No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,546.66
Your down payment$51,546.66
Closing costs + prepaids$11,106.66
Total buyer cash needed$62,653.31
Remaining funds due$62,653.31
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%)$2,999.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,242.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$520.75
Prepaid interest, first (27 days)$1,126.39
Fees + prepaids$11,106.66
Your down payment is the seller’s equity. You take over the $248,403 balance, so the rest of the $299,950 price is paid at closing. A second mortgage can cover part of it. $62,653.31 is due at closing. Uses and sources reconcile at $311,056.66 each. Not a Closing Disclosure.