Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$20,443Cash toward the purchase price.
Closing costs + prepaids$12,335Not just lender fees.
Before credits & paid funds$32,777The complete starting cash picture.
Estimated remaining funds due at closing
$32,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,442.87
Your down payment$20,442.87
Closing costs + prepaids$12,334.54
Total buyer cash needed$32,777.41
Remaining funds due$32,777.41
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%)$2,999.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,397.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,297.00
Prepaid interest, first (27 days)$1,422.50
Fees + prepaids$12,334.54
Your down payment is the seller’s equity. You take over the $279,507 balance, so the rest of the $299,950 price is paid at closing. A second mortgage can cover part of it. $32,777.41 is due at closing. Uses and sources reconcile at $312,284.54 each. Not a Closing Disclosure.