Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$34,396Cash toward the purchase price.
Closing costs + prepaids$10,789Not just lender fees.
Before credits & paid funds$45,185The complete starting cash picture.
Estimated remaining funds due at closing
$45,185No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,395.73
Your down payment$34,395.73
Closing costs + prepaids$10,789.13
Total buyer cash needed$45,184.86
Remaining funds due$45,184.86
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%)$3,099.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,378.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$370.25
Initial HOA (3 months)$267.00
Prepaid interest, first (21 days)$455.88
Fees + prepaids$10,789.13
Your down payment is the seller’s equity. You take over the $275,603 balance, so the rest of the $309,999 price is paid at closing. A second mortgage can cover part of it. $45,184.86 is due at closing. Uses and sources reconcile at $320,788.13 each. Not a Closing Disclosure.