Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$24,670Cash toward the purchase price.
Closing costs + prepaids$11,044Not just lender fees.
Before credits & paid funds$35,713The complete starting cash picture.
Estimated remaining funds due at closing
$35,713No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,669.55
Your down payment$24,669.55
Closing costs + prepaids$11,043.53
Total buyer cash needed$35,713.08
Remaining funds due$35,713.08
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%)$2,949.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,351.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$187.25
Initial HOA (3 months)$120.00
Prepaid interest, first (24 days)$1,217.37
Fees + prepaids$11,043.53
Your down payment is the seller’s equity. You take over the $270,280 balance, so the rest of the $294,950 price is paid at closing. A second mortgage can cover part of it. $35,713.08 is due at closing. Uses and sources reconcile at $305,993.53 each. Not a Closing Disclosure.