Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$45,798Cash toward the purchase price.
Closing costs + prepaids$11,418Not just lender fees.
Before credits & paid funds$57,216The complete starting cash picture.
Estimated remaining funds due at closing
$57,216No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,798.22
Your down payment$45,798.22
Closing costs + prepaids$11,417.79
Total buyer cash needed$57,216.01
Remaining funds due$57,216.01
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%)$3,230.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,386.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$537.25
Prepaid interest, first (26 days)$1,046.53
Fees + prepaids$11,417.79
Your down payment is the seller’s equity. You take over the $277,202 balance, so the rest of the $323,000 price is paid at closing. A second mortgage can cover part of it. $57,216.01 is due at closing. Uses and sources reconcile at $334,417.79 each. Not a Closing Disclosure.