Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$31,034Cash toward the purchase price.
Closing costs + prepaids$11,624Not just lender fees.
Before credits & paid funds$42,658The complete starting cash picture.
Estimated remaining funds due at closing
$42,658No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,033.79
Your down payment$31,033.79
Closing costs + prepaids$11,623.78
Total buyer cash needed$42,657.58
Remaining funds due$42,657.58
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%)$3,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,394.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$537.25
Initial HOA (3 months)$90.00
Prepaid interest, first (26 days)$1,283.70
Fees + prepaids$11,623.78
Your down payment is the seller’s equity. You take over the $278,966 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $42,657.58 is due at closing. Uses and sources reconcile at $321,623.78 each. Not a Closing Disclosure.