Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$38,796Cash toward the purchase price.
Closing costs + prepaids$10,556Not just lender fees.
Before credits & paid funds$49,352The complete starting cash picture.
Estimated remaining funds due at closing
$49,352No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,795.75
Your down payment$38,795.75
Closing costs + prepaids$10,555.97
Total buyer cash needed$49,351.71
Remaining funds due$49,351.71
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%)$1,306.02
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 (15 days)$656.95
Fees + prepaids$10,555.97
Your down payment is the seller’s equity. You take over the $261,204 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $49,351.71 is due at closing. Uses and sources reconcile at $310,555.97 each. Not a Closing Disclosure.