Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$32,187Cash toward the purchase price.
Closing costs + prepaids$11,454Not just lender fees.
Before credits & paid funds$43,641The complete starting cash picture.
Estimated remaining funds due at closing
$43,641No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,187.14
Your down payment$32,187.14
Closing costs + prepaids$11,453.59
Total buyer cash needed$43,640.74
Remaining funds due$43,640.74
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%)$2,945.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,311.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$736.25
Initial HOA (3 months)$60.00
Prepaid interest, first (26 days)$1,182.78
Fees + prepaids$11,453.59
Your down payment is the seller’s equity. You take over the $262,313 balance, so the rest of the $294,500 price is paid at closing. A second mortgage can cover part of it. $43,640.74 is due at closing. Uses and sources reconcile at $305,953.59 each. Not a Closing Disclosure.