Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$29,871Cash toward the purchase price.
Closing costs + prepaids$11,800Not just lender fees.
Before credits & paid funds$41,671The complete starting cash picture.
Estimated remaining funds due at closing
$41,671No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,870.59
Your down payment$29,870.59
Closing costs + prepaids$11,800.03
Total buyer cash needed$41,670.62
Remaining funds due$41,670.62
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%)$3,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,425.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$378.00
Initial HOA (3 months)$1,050.00
Prepaid interest, first (12 days)$578.38
Fees + prepaids$11,800.03
Your down payment is the seller’s equity. You take over the $285,129 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $41,670.62 is due at closing. Uses and sources reconcile at $326,800.03 each. Not a Closing Disclosure.