Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$49,154Cash toward the purchase price.
Closing costs + prepaids$10,711Not just lender fees.
Before credits & paid funds$59,864The complete starting cash picture.
Estimated remaining funds due at closing
$59,864No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,153.60
Your down payment$49,153.60
Closing costs + prepaids$10,710.70
Total buyer cash needed$59,864.30
Remaining funds due$59,864.30
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%)$3,195.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,351.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$399.50
Prepaid interest, first (14 days)$546.47
Fees + prepaids$10,710.70
Your down payment is the seller’s equity. You take over the $270,346 balance, so the rest of the $319,500 price is paid at closing. A second mortgage can cover part of it. $59,864.30 is due at closing. Uses and sources reconcile at $330,210.70 each. Not a Closing Disclosure.