Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$30,587Cash toward the purchase price.
Closing costs + prepaids$10,598Not just lender fees.
Before credits & paid funds$41,185The complete starting cash picture.
Estimated remaining funds due at closing
$41,185No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,587.27
Your down payment$30,587.27
Closing costs + prepaids$10,597.76
Total buyer cash needed$41,185.03
Remaining funds due$41,185.03
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%)$1,347.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$346.25
Prepaid interest, first (31 days)$686.45
Fees + prepaids$10,597.76
Your down payment is the seller’s equity. You take over the $269,413 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $41,185.03 is due at closing. Uses and sources reconcile at $310,597.76 each. Not a Closing Disclosure.