Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$50,933Cash toward the purchase price.
Closing costs + prepaids$10,770Not just lender fees.
Before credits & paid funds$61,703The complete starting cash picture.
Estimated remaining funds due at closing
$61,703No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,933.27
Your down payment$50,933.27
Closing costs + prepaids$10,769.76
Total buyer cash needed$61,703.03
Remaining funds due$61,703.03
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%)$3,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,344.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$329.25
Prepaid interest, first (30 days)$678.68
Fees + prepaids$10,769.76
Your down payment is the seller’s equity. You take over the $268,967 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $61,703.03 is due at closing. Uses and sources reconcile at $330,669.76 each. Not a Closing Disclosure.