Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$21,985Cash toward the purchase price.
Closing costs + prepaids$12,397Not just lender fees.
Before credits & paid funds$34,382The complete starting cash picture.
Estimated remaining funds due at closing
$34,382No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,984.93
Your down payment$21,984.93
Closing costs + prepaids$12,396.68
Total buyer cash needed$34,381.60
Remaining funds due$34,381.60
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%)$2,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,385.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$747.50
Initial HOA (3 months)$690.00
Prepaid interest, first (24 days)$1,366.10
Fees + prepaids$12,396.68
Your down payment is the seller’s equity. You take over the $277,015 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $34,381.60 is due at closing. Uses and sources reconcile at $311,396.68 each. Not a Closing Disclosure.