Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$19,938Cash toward the purchase price.
Closing costs + prepaids$11,706Not just lender fees.
Before credits & paid funds$31,644The complete starting cash picture.
Estimated remaining funds due at closing
$31,644No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,937.64
Your down payment$19,937.64
Closing costs + prepaids$11,706.03
Total buyer cash needed$31,643.66
Remaining funds due$31,643.66
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%)$3,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,425.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$762.50
Prepaid interest, first (24 days)$1,250.21
Fees + prepaids$11,706.03
Your down payment is the seller’s equity. You take over the $285,062 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $31,643.66 is due at closing. Uses and sources reconcile at $316,706.03 each. Not a Closing Disclosure.