Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$57,960Cash toward the purchase price.
Closing costs + prepaids$11,560Not just lender fees.
Before credits & paid funds$69,520The complete starting cash picture.
Estimated remaining funds due at closing
$69,520No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,960.42
Your down payment$57,960.42
Closing costs + prepaids$11,559.51
Total buyer cash needed$69,519.93
Remaining funds due$69,519.93
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%)$3,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,305.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$906.00
Prepaid interest, first (19 days)$940.31
Fees + prepaids$11,559.51
Your down payment is the seller’s equity. You take over the $261,040 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $69,519.93 is due at closing. Uses and sources reconcile at $330,559.51 each. Not a Closing Disclosure.