Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$48,577Cash toward the purchase price.
Closing costs + prepaids$10,638Not just lender fees.
Before credits & paid funds$59,215The complete starting cash picture.
Estimated remaining funds due at closing
$59,215No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,577.35
Your down payment$48,577.35
Closing costs + prepaids$10,637.82
Total buyer cash needed$59,215.16
Remaining funds due$59,215.16
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%)$1,356.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$384.00
Prepaid interest, first (10 days)$480.20
Fees + prepaids$10,637.82
Your down payment is the seller’s equity. You take over the $271,323 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $59,215.16 is due at closing. Uses and sources reconcile at $330,537.82 each. Not a Closing Disclosure.