Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$31,581Cash toward the purchase price.
Closing costs + prepaids$10,370Not just lender fees.
Before credits & paid funds$41,951The complete starting cash picture.
Estimated remaining funds due at closing
$41,951No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,580.74
Your down payment$31,580.74
Closing costs + prepaids$10,370.21
Total buyer cash needed$41,950.95
Remaining funds due$41,950.95
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%)$2,975.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,329.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$393.00
Prepaid interest, first (20 days)$454.61
Fees + prepaids$10,370.21
Your down payment is the seller’s equity. You take over the $265,919 balance, so the rest of the $297,500 price is paid at closing. A second mortgage can cover part of it. $41,950.95 is due at closing. Uses and sources reconcile at $307,870.21 each. Not a Closing Disclosure.