Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$37,591Cash toward the purchase price.
Closing costs + prepaids$11,844Not just lender fees.
Before credits & paid funds$49,435The complete starting cash picture.
Estimated remaining funds due at closing
$49,435No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,591.30
Your down payment$37,591.30
Closing costs + prepaids$11,843.75
Total buyer cash needed$49,435.05
Remaining funds due$49,435.05
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%)$3,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,312.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$360.00
Initial HOA (3 months)$1,380.00
Prepaid interest, first (12 days)$573.70
Fees + prepaids$11,843.75
Your down payment is the seller’s equity. You take over the $262,409 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $49,435.05 is due at closing. Uses and sources reconcile at $311,843.75 each. Not a Closing Disclosure.