Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$50,604Cash toward the purchase price.
Closing costs + prepaids$11,573Not just lender fees.
Before credits & paid funds$62,177The complete starting cash picture.
Estimated remaining funds due at closing
$62,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,604.22
Your down payment$50,604.22
Closing costs + prepaids$11,573.03
Total buyer cash needed$62,177.26
Remaining funds due$62,177.26
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%)$3,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,321.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$325.25
Initial HOA (3 months)$1,536.00
Prepaid interest, first (1 days)$21.80
Fees + prepaids$11,573.03
Your down payment is the seller’s equity. You take over the $264,396 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $62,177.26 is due at closing. Uses and sources reconcile at $326,573.03 each. Not a Closing Disclosure.