Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$23,343Cash toward the purchase price.
Closing costs + prepaids$11,578Not just lender fees.
Before credits & paid funds$34,921The complete starting cash picture.
Estimated remaining funds due at closing
$34,921No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,342.59
Your down payment$23,342.59
Closing costs + prepaids$11,578.16
Total buyer cash needed$34,920.75
Remaining funds due$34,920.75
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%)$2,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,357.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$737.25
Initial HOA (3 months)$483.00
Prepaid interest, first (22 days)$833.12
Fees + prepaids$11,578.16
Your down payment is the seller’s equity. You take over the $271,557 balance, so the rest of the $294,900 price is paid at closing. A second mortgage can cover part of it. $34,920.75 is due at closing. Uses and sources reconcile at $306,478.16 each. Not a Closing Disclosure.