Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$45,031Cash toward the purchase price.
Closing costs + prepaids$10,512Not just lender fees.
Before credits & paid funds$55,543The complete starting cash picture.
Estimated remaining funds due at closing
$55,543No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,030.63
Your down payment$45,030.63
Closing costs + prepaids$10,512.11
Total buyer cash needed$55,542.74
Remaining funds due$55,542.74
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%)$2,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,274.35
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 (16 days)$645.76
Fees + prepaids$10,512.11
Your down payment is the seller’s equity. You take over the $254,869 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $55,542.74 is due at closing. Uses and sources reconcile at $310,412.11 each. Not a Closing Disclosure.