Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$66,908Cash toward the purchase price.
Closing costs + prepaids$9,673Not just lender fees.
Before credits & paid funds$76,581The complete starting cash picture.
Estimated remaining funds due at closing
$76,581No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,907.80
Your down payment$66,907.80
Closing costs + prepaids$9,673.15
Total buyer cash needed$76,580.94
Remaining funds due$76,580.94
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%)$3,080.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,205.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$126.75
Prepaid interest, first (1 days)$42.93
Fees + prepaids$9,673.15
Your down payment is the seller’s equity. You take over the $241,092 balance, so the rest of the $308,000 price is paid at closing. A second mortgage can cover part of it. $76,580.94 is due at closing. Uses and sources reconcile at $317,673.15 each. Not a Closing Disclosure.