Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$45,031Cash toward the purchase price.
Closing costs + prepaids$11,016Not just lender fees.
Before credits & paid funds$56,047The complete starting cash picture.
Estimated remaining funds due at closing
$56,047No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,030.63
Your down payment$45,030.63
Closing costs + prepaids$11,015.96
Total buyer cash needed$56,046.59
Remaining funds due$56,046.59
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%)$2,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,274.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$475.25
Prepaid interest, first (26 days)$1,049.36
Fees + prepaids$11,015.96
Your down payment is the seller’s equity. You take over the $254,869 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $56,046.59 is due at closing. Uses and sources reconcile at $310,915.96 each. Not a Closing Disclosure.