Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$22,768Cash toward the purchase price.
Closing costs + prepaids$11,999Not just lender fees.
Before credits & paid funds$34,768The complete starting cash picture.
Estimated remaining funds due at closing
$34,768No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,768.38
Your down payment$22,768.38
Closing costs + prepaids$11,999.49
Total buyer cash needed$34,767.87
Remaining funds due$34,767.87
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%)$3,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,481.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$797.50
Prepaid interest, first (24 days)$1,312.83
Fees + prepaids$11,999.49
Your down payment is the seller’s equity. You take over the $296,232 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $34,767.87 is due at closing. Uses and sources reconcile at $330,999.49 each. Not a Closing Disclosure.