Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$40,372Cash toward the purchase price.
Closing costs + prepaids$10,531Not just lender fees.
Before credits & paid funds$50,903The complete starting cash picture.
Estimated remaining funds due at closing
$50,903No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,371.88
Your down payment$40,371.88
Closing costs + prepaids$10,531.03
Total buyer cash needed$50,902.92
Remaining funds due$50,902.92
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%)$1,298.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$375.00
Prepaid interest, first (13 days)$639.89
Fees + prepaids$10,531.03
Your down payment is the seller’s equity. You take over the $259,628 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $50,902.92 is due at closing. Uses and sources reconcile at $310,531.03 each. Not a Closing Disclosure.