Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$30,619Cash toward the purchase price.
Closing costs + prepaids$10,929Not just lender fees.
Before credits & paid funds$41,548The complete starting cash picture.
Estimated remaining funds due at closing
$41,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,618.96
Your down payment$30,618.96
Closing costs + prepaids$10,929.13
Total buyer cash needed$41,548.09
Remaining funds due$41,548.09
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%)$1,346.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$562.50
Prepaid interest, first (17 days)$801.72
Fees + prepaids$10,929.13
Your down payment is the seller’s equity. You take over the $269,381 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $41,548.09 is due at closing. Uses and sources reconcile at $310,929.13 each. Not a Closing Disclosure.