Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$25,091Cash toward the purchase price.
Closing costs + prepaids$12,501Not just lender fees.
Before credits & paid funds$37,592The complete starting cash picture.
Estimated remaining funds due at closing
$37,592No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,090.80
Your down payment$25,090.80
Closing costs + prepaids$12,500.79
Total buyer cash needed$37,591.59
Remaining funds due$37,591.59
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%)$3,199.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,474.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$800.00
Initial HOA (3 months)$1,275.00
Prepaid interest, first (24 days)$533.26
Fees + prepaids$12,500.79
Your down payment is the seller’s equity. You take over the $294,908 balance, so the rest of the $319,999 price is paid at closing. A second mortgage can cover part of it. $37,591.59 is due at closing. Uses and sources reconcile at $332,499.79 each. Not a Closing Disclosure.