Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$43,353Cash toward the purchase price.
Closing costs + prepaids$10,851Not just lender fees.
Before credits & paid funds$54,205The complete starting cash picture.
Estimated remaining funds due at closing
$54,205No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,353.25
Your down payment$43,353.25
Closing costs + prepaids$10,851.28
Total buyer cash needed$54,204.53
Remaining funds due$54,204.53
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%)$1,333.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$561.25
Initial HOA (3 months)$237.00
Prepaid interest, first (20 days)$401.80
Fees + prepaids$10,851.28
Your down payment is the seller’s equity. You take over the $266,647 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $54,204.53 is due at closing. Uses and sources reconcile at $320,851.28 each. Not a Closing Disclosure.