Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$25,299Cash toward the purchase price.
Closing costs + prepaids$10,333Not just lender fees.
Before credits & paid funds$35,633The complete starting cash picture.
Estimated remaining funds due at closing
$35,633No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,299.31
Your down payment$25,299.31
Closing costs + prepaids$10,333.50
Total buyer cash needed$35,632.81
Remaining funds due$35,632.81
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%)$2,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,373.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$228.75
Prepaid interest, first (22 days)$514.74
Fees + prepaids$10,333.50
Your down payment is the seller’s equity. You take over the $274,601 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $35,632.81 is due at closing. Uses and sources reconcile at $310,233.50 each. Not a Closing Disclosure.