Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$25,887Cash toward the purchase price.
Closing costs + prepaids$11,176Not just lender fees.
Before credits & paid funds$37,063The complete starting cash picture.
Estimated remaining funds due at closing
$37,063No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,886.77
Your down payment$25,886.77
Closing costs + prepaids$11,176.12
Total buyer cash needed$37,062.89
Remaining funds due$37,062.89
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%)$3,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,420.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$330.00
Initial HOA (3 months)$525.00
Prepaid interest, first (27 days)$584.06
Fees + prepaids$11,176.12
Your down payment is the seller’s equity. You take over the $284,013 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $37,062.89 is due at closing. Uses and sources reconcile at $321,076.12 each. Not a Closing Disclosure.