Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$52,649Cash toward the purchase price.
Closing costs + prepaids$11,498Not just lender fees.
Before credits & paid funds$64,147The complete starting cash picture.
Estimated remaining funds due at closing
$64,147No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,648.62
Your down payment$52,648.62
Closing costs + prepaids$11,498.02
Total buyer cash needed$64,146.63
Remaining funds due$64,146.63
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%)$3,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,336.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$423.50
Initial HOA (3 months)$87.51
Prepaid interest, first (25 days)$1,233.75
Fees + prepaids$11,498.02
Your down payment is the seller’s equity. You take over the $267,251 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $64,146.63 is due at closing. Uses and sources reconcile at $331,398.02 each. Not a Closing Disclosure.