Follow the dollars · Assumption only
A complete cash picture for Dec 29, 2026
Your down payment$53,695Cash toward the purchase price.
Closing costs + prepaids$10,865Not just lender fees.
Before credits & paid funds$64,560The complete starting cash picture.
Estimated remaining funds due at closing
$64,560No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,694.93
Your down payment$53,694.93
Closing costs + prepaids$10,865.08
Total buyer cash needed$64,560.01
Remaining funds due$64,560.01
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%)$1,231.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$765.00
Initial HOA (3 months)$555.00
Prepaid interest, first (3 days)$95.55
Fees + prepaids$10,865.08
Your down payment is the seller’s equity. You take over the $246,305 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $64,560.01 is due at closing. Uses and sources reconcile at $310,865.08 each. Not a Closing Disclosure.