Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$37,650Cash toward the purchase price.
Closing costs + prepaids$11,064Not just lender fees.
Before credits & paid funds$48,713The complete starting cash picture.
Estimated remaining funds due at closing
$48,713No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,649.67
Your down payment$37,649.67
Closing costs + prepaids$11,063.58
Total buyer cash needed$48,713.25
Remaining funds due$48,713.25
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%)$3,095.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,359.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$517.75
Initial HOA (3 months)$33.00
Prepaid interest, first (18 days)$840.58
Fees + prepaids$11,063.58
Your down payment is the seller’s equity. You take over the $271,850 balance, so the rest of the $309,500 price is paid at closing. A second mortgage can cover part of it. $48,713.25 is due at closing. Uses and sources reconcile at $320,563.58 each. Not a Closing Disclosure.