Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$36,193Cash toward the purchase price.
Closing costs + prepaids$10,686Not just lender fees.
Before credits & paid funds$46,879The complete starting cash picture.
Estimated remaining funds due at closing
$46,879No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,192.93
Your down payment$36,192.93
Closing costs + prepaids$10,685.92
Total buyer cash needed$46,878.85
Remaining funds due$46,878.85
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%)$3,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,344.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$381.25
Prepaid interest, first (15 days)$692.64
Fees + prepaids$10,685.92
Your down payment is the seller’s equity. You take over the $268,807 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $46,878.85 is due at closing. Uses and sources reconcile at $315,685.92 each. Not a Closing Disclosure.