Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$45,741Cash toward the purchase price.
Closing costs + prepaids$10,876Not just lender fees.
Before credits & paid funds$56,617The complete starting cash picture.
Estimated remaining funds due at closing
$56,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,741.13
Your down payment$45,741.13
Closing costs + prepaids$10,876.04
Total buyer cash needed$56,617.17
Remaining funds due$56,617.17
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%)$3,047.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,295.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$349.00
Prepaid interest, first (20 days)$966.49
Fees + prepaids$10,876.04
Your down payment is the seller’s equity. You take over the $259,009 balance, so the rest of the $304,750 price is paid at closing. A second mortgage can cover part of it. $56,617.17 is due at closing. Uses and sources reconcile at $315,626.04 each. Not a Closing Disclosure.